Mia Muise - Advisor, Sun Life

10/31/2025

A TFSA is more than just a savings account!

Watch this short video that breaks down TFSAs in easy terms. Discover:
- How it can help you save for various goals
- The tax advantages it offers

Let's discuss how a TFSA could fit into your financial picture!
https://bit.ly/4oKGpm6

Transcript: What is a TFSA? Simply put, a tax-free savings account, or TFSA, is a type of savings account to help save for any need. How does a TFSA work? A TFSA doesn’t have to be a savings account at a bank. A TFSA can contain a variety of investments like: bonds, stocks, mutual funds, and exchange-traded funds. Money, or contributions, that you put into a TFSA, are made with after-tax dollars. This means you’ve already paid income tax, and won’t need to pay again when you make withdrawals in the future. Plus, you won’t pay tax on any investment growth in your TFSA. Whether you’re saving for a dream vacation, your first home, or your retirement, a TFSA can help. What is your TFSA contribution limit? A contribution limit is the maximum amount you can add to your TFSA each year. The annual TFSA contribution limit changes from year to year. The federal government determines these limits. You’re entitled to the lifetime contributions for every year after you turn 18 and are a Canadian resident. For example, let’s say you don’t have a TFSA and were 18 in 2009, when the government introduced the TFSA. In this case, if you were a Canadian resident throughout that entire time, you’d have full contribution room available. But if you became a Canadian resident in 2015, you’d start gaining contribution room then. The best way to find out how much you can contribute to your TFSA is through the Canada Revenue Agency. Whenever you need it, a TFSA is a smart way to save, and see your savings grow – tax-free. Find more tips and tools at sunlife.ca.

Find out how a TFSA is a smart way to save and see your savings grow – tax-free. Learn More: https://www.sunlife.ca/en/investments/tfsa/what-is-a-tfsa-video/

10/30/2025

Curious about RRSPs? Let's break it down!

In less than 2 minutes, learn RRSP basics including:
- How it can help you save for retirement
- The tax benefits of contributing

Watch the video to get started and reach out to discuss your personal RRSP strategy.
https://bit.ly/4ogqlsx

Transcript: What is an RRSP? Simply put, a Registered Retirement Savings Plan, or RRSP, is a type of savings account that helps Canadians save for their retirement. How does an RRSP work? You can hold a variety of investments in your RRSP, like: stocks, bonds, GICs, and mutual funds. Any contributions or growth within your RRSP help you defer taxable income. This means you can defer taxes this year when you contribute, and defer taxes on any investment growth, until you choose to access the funds. For most, withdrawing from your RRSP at a later point in life means paying less tax. Think of it this way: you’ll probably be in a lower tax bracket when you’re retired in your 60s or 70s. So you’ll be paying less tax when you withdraw from your RRSP at that age. What’s your RRSP contribution limit? Your yearly contribution limit is 18% of your earned income, plus unused room from earlier years. Any money you put into an RRSP, up to the limit, reduces your taxable income for that year. Your RRSP contribution limit is calculated each year and will appear on the Notice of Assessment you receive after filing your taxes. For more tips and tools, visit sunlife.ca.

Find out, in simple terms, what an RRSP is and how it can help you save for retirement. Learn More: https://www.sunlife.ca/en/investments/rrsp/simply-put-wha...

10/29/2025

Don't miss out on this chance to boost your retirement savings!

Make sure to contribute to your RRSP account before March 2, 2026.

Take advantage of this opportunity to help grow your money tax-free and reduce your annual taxable income.

Want to maximize your RRSP contributions? Let’s chat.

12/10/2024

https://www.sunlife.ca/en/tools-and-resources/money-and-finances/understanding-life-insurance/do-you-need-life-insurance-if-youre-wealthy/

Do you have a high-net worth? Find out how you can use life insurance to help grow and protect your finances.

11/13/2024

Help give your children or grandchildren a secure financial future. Let's talk about how participating life insurance can be a great option for kids.

10/10/2024

This presentation provides a general overview of taxation of a Canadian Controlled Private Corporation (CCPC) related to its active business and passive income. The concepts of tax integration and tax deferral are explored in detail, as well as planning considerations around the $50,000 passive inve...

09/16/2024

Even before your child arrives, you start dreaming of their future. Take the next step to secure a brighter future for your family. We can help you build a plan that protects your family from the unexpected. Let’s connect today.

Video transcript: Even before your child arrives, you start dreaming of their future. With so many steps ahead of them...you’ll do anything to help them succeed. Even though, you know there’ll be obstacles along the way. What can you do now to support them? Build a solid foundation for your family and future generations... Make sure your loved ones are financially secure in case you pass away unexpectedly. Get your child's life insurance while they're young, and potentially save them thousands over their lifetime. Help your family focus on health, not finances, if someone becomes seriously ill. Take the next step to secure a brighter future for your family. Speak to your advisor today.

07/04/2022

https://youtu.be/18zvlz5CxPE

Unconscious bias is a prevalent factor driving culture, causing us all to make assumptions based on our own upbringings and influences. Such implicit prejudi...

06/07/2022

When your job hinges on how well you talk to people, you learn a lot about how to have conversations -- and that most of us don't converse very well. Celeste...

05/12/2022

Optimism is different than positive - and it's definitely not naive. Optimism is the belief that the future is positive, that there's a light at the end of t...

04/18/2022

https://youtu.be/BFcjfqmVah8

Learn more at PwC.com - http://www.pwc.com/us/en/index.jhtmlOur brains are wired to make assumptions, which can sometimes be off base. We think it's an hones...