Raghavv Sharrma

Raghavv Sharrma Rise with kindness

05/09/2026

Super Visa Insurance is not just a travel checklist item.

It is part of the Super Visa application requirement.

Many families think:

“Let’s just get the cheapest policy so we can submit the application.”

But that can be a mistake.

You should check:

Is the policy valid for at least 1 year from date of entry?

Does it provide at least $100,000 emergency medical coverage?

Does it cover health care, hospitalization, and repatriation?

Is it paid properly as required?

Are pre-existing conditions addressed?

What is the stability period?

What are the exclusions?

This is especially important if your parents have diabetes, blood pressure, cholesterol, heart history, or regular medication.

The goal is not just to submit a Super Visa application.

The goal is to choose coverage that makes sense for your parents’ real health situation.

This post is for educational purposes only and is not personal insurance advice. Please speak with a licensed insurance advisor before selecting coverage.

DM SUPERVISA if your parents are planning to apply and you want to understand what to check before buying coverage.





05/07/2026

Your parents are coming to Canada on a visitor visa?

Before buying Visitors to Canada Insurance, please don’t only compare the cheapest premium.

The real questions are:

What is the emergency medical coverage amount?

What is the deductible?

Are pre-existing conditions covered?

What is the stability period?

What are the exclusions?

Does the plan fit their age, health history, and length of stay?

This becomes even more important if your parents have diabetes, blood pressure, heart history, cholesterol, or regular medication.

Visitor insurance is not just a checkbox before travel.

It is a planning decision.

The cheapest plan is not always the right plan.

This post is for educational purposes only and is not personal insurance advice. Please speak with a licensed insurance advisor before selecting coverage.

DM VISITOR if your parents are visiting Canada and you want to understand the coverage options before they travel.





02/14/2026

If you’re between 35 and 50…

This is the phase where your income is peaking.

Which also means…

Your taxes are peaking.

And here’s the truth most people don’t realize:

The decisions you make in this window
will echo for the next 20–30 years.

RRSP isn’t just about a refund.

It’s about tax timing.

Contribute when you’re taxed at 35–45%.
Withdraw later when you might be taxed at 15–25%.

That difference?

That’s not luck.
That’s strategy.

That’s tax arbitrage.

Wealthy families don’t shout about this.
They quietly optimize it.

March 2nd is closer than you think.

Are you intentionally planning…

or just hoping it works out?

If you want to see what this looks like with your real numbers,
DM me “PLAN” and let’s run the math.

Because high-income years deserve high-level strategy.







Disclaimer: This content is for educational purposes only and does not constitute personalized financial or tax advice. Individual circumstances vary. Please consult a licensed advisor before making investment

02/13/2026

Most people don’t miss the RRSP deadline because they don’t care.

They miss it because they’re busy.

Busy earning.
Busy raising kids.
Busy living.

And then suddenly… it’s March.

RRSP isn’t just a tax form.
It’s leverage.

It’s the difference between:

Panicking in high tax years
vs
Positioning yourself strategically.

The deadline is March 2nd .

Some will rush.
Some will overcontribute.
Some will freeze.

And a small percentage…
will plan calmly and confidently.

Which one are you?

If you want clarity instead of confusion,
DM me “PLAN” and let’s build your RRSP properly.

Because tax strategy isn’t about guessing.
It’s about positioning.







Disclaimer: This content is for educational purposes only and does not constitute financial or tax advice. Individual circumstances vary. Please consult a licensed professional before making investment decisions.

01/31/2026







Educational content only.
Not personalized financial or tax advice.
Individual situations vary.
Please consult a licensed advisor before making decisions.

— Raghavv Sharrma
Independent Wealth & Insurance Advisor

01/30/2026

RRSP vs TFSA strategy Canada.

“Kaunsa better hai?”
Sahi sawaal yeh hai — kaunsa pehle aur kaunsa baad.

Galat order 10–20 saal mein tax ko double kar sakta hai.
Sahi sequence control deta hai.

DM RRSP
ya comment RRSP

Educational content only. Not personalized advice.

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