Kuzyk Private Wealth

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Kuzyk Private Wealth

We help today's affluent families live highly successful, deeply meaningful lives.

08/23/2026

Choosing a wealth team? Ask these five questions and watch how directly they get answered:

1. Who is your dealer and who regulates them?
2. What happens to my assets if your firm fails?
3. How are you paid, in writing, before I commit?
4. Who is your typical client, and am I truly a fit?
5. What can you offer beyond a bank branch, and what are the risks of those options?

Any team worth your time will answer all five in plain language without flinching. We publish our answers openly, and we are happy to go deeper in person or by video.

Kuzyk Private Wealth | Harbourfront Wealth Management Inc. | CIRO member, CIPF member

08/22/2026

"Are we actually on track to retire?" Most couples we meet have never seen that question answered in numbers.

We built a three-minute self-assessment that scores the income, tax and estate side of your retirement readiness. No jargon, instant result, built for Canadians within about 15 years of retirement.

Take it here: kuzykprivatewealth.com/tools/retirement-ready/

If your score surprises you in either direction, the follow-up conversation costs nothing.

Kuzyk Private Wealth | Harbourfront Wealth Management Inc. | CIRO member, CIPF member

08/21/2026

You will hear independent firms talk about access to private market investments: private credit, private real estate and similar strategies that do not trade on an exchange.

Honest translation. The potential upside: returns that do not move in lockstep with public markets, and exposure to lending and property strategies banks rarely shelve for retail clients. The costs: your money can be harder to get out, valuations update less frequently, and these strategies are generally for qualifying investors only, where suitable.

Anyone who mentions the first half without the second half is marketing, not educating.

Questions about how this fits a real portfolio are welcome. That conversation is free: kuzykprivatewealth.com/book-a-call/

Kuzyk Private Wealth | Harbourfront Wealth Management Inc. | CIRO member, CIPF member

08/20/2026

Every Canadian investment advisor at a CIRO member firm has a public record. Most investors never look.

CIRO's AdvisorReport lets you check registration, qualifications and history for any advisor, free. Our team is there too: Phil Kuzyk, FCSI, has spent more than 25 years in this profession and the team has served more than 500 families.

We would rather you check than take anyone's word for it, ours included. Verification beats trust-me, every time.

Look up any advisor at ciro.ca, then come ask us the hard questions: kuzykprivatewealth.com/book-a-call/

Kuzyk Private Wealth | Harbourfront Wealth Management Inc. | CIRO member, CIPF member

08/19/2026

An inheritance arrives with grief attached, and often with pressure to act quickly. Our standing advice: almost nothing about an inheritance is urgent.

A decision order that serves people well:

1. Park it somewhere safe and boring.
2. Deal with the tax and estate mechanics with the executor and an accountant.
3. Only then decide what the money is for: income, security, family, giving.
4. Invest according to that purpose, not according to what markets are doing that month.

The pause is not indecision. It is the strategy.

Kuzyk Private Wealth | Harbourfront Wealth Management Inc. | CIRO member, CIPF member

08/18/2026

In retirement, which account you draw from first can matter nearly as much as what you own.

RRIF, TFSA, non-registered, corporate account: each dollar comes out with different tax treatment, different effects on Old Age Security clawback, and different consequences for your estate.

Two retirees with identical portfolios can end up with meaningfully different lifetime tax bills purely on sequencing.

This is not a product. It is planning work, done on paper, before the first withdrawal. How ready is your income plan? Three minutes: kuzykprivatewealth.com/tools/retirement-ready/

Kuzyk Private Wealth | Harbourfront Wealth Management Inc. | CIRO member, CIPF member

08/17/2026

Worth two minutes of any investor's time: what the Canadian Investor Protection Fund does and does not do.

What it does: if a CIPF member firm becomes insolvent, CIPF protects client property held by that firm, within prescribed limits.

What it does not do: protect against your investments losing market value. No fund does that.

Why it matters: the failure of the dealer holding your accounts is a risk you should not have to carry, and in Canada, at CIRO member firms, you largely do not.

Details and limits are at cipf.ca. Ask any firm you are considering whether they are a member. It is a fair question.

Kuzyk Private Wealth | Harbourfront Wealth Management Inc. | CIRO member, CIPF member

08/16/2026

Both independent dealers and bank-owned dealers answer to the same regulator, CIRO. The regulatory floor is common ground. So what actually differs?

Ownership and shelf. A bank-owned dealer sits inside an institution that also manufactures products. An independent dealer builds its shelf without a parent's manufacturing arm to feed, which changes what can be put on the table.

For business owners, there is a second difference worth naming: your wealth advice does not have to live in the same building as your operating credit.

Neither model is automatically better for every person. Knowing the difference is what lets you choose deliberately.

Kuzyk Private Wealth | Harbourfront Wealth Management Inc. | CIRO member, CIPF member

08/15/2026

Leaving an employer with a defined benefit pension? You may face a one-time choice: a monthly cheque for life, or a lump sum commuted value.

It is one of the few financial decisions you truly cannot redo. The right answer depends on your health, your other assets, survivor needs, tax room in the transfer, and your comfort carrying investment risk.

The mistake we see most: deciding on gut feel under a deadline. The better path: model both futures side by side, in numbers, before the election date.

That modelling is standard work for us. If the deadline is coming, bring it to the first call: kuzykprivatewealth.com/book-a-call/

Kuzyk Private Wealth | Harbourfront Wealth Management Inc. | CIRO member, CIPF member

08/14/2026

For high earners, maxing the registered accounts is the easy part. The harder question is where the next dollar goes.

The usual candidates, each with different tax behaviour: a non-registered account, a corporate investment account for incorporated professionals and owners, permanent insurance in specific situations, and for qualifying investors, asset classes beyond public markets.

There is no universal right order. It depends on your bracket, your timeline, whether you are incorporated, and what the money is ultimately for.

That prioritization is exactly what a written plan settles. Find your gaps in five minutes: kuzykprivatewealth.com/tools/wealth-strategy/

Kuzyk Private Wealth | Harbourfront Wealth Management Inc. | CIRO member, CIPF member

Address

2338/666 Burrard Street
Vancouver, BC
V6C2X8

Telephone

+16046437093

Website

https://www.harbourfrontwealth.com/team-members/phil-kuzyk/

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