Discover our most current quarterly commentary on the topics that resonate with you, helping you to create a life free of financial worry.
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A Blended Family: Protecting Your Loved Ones
By Ryan Bacchus on 22 Oct, 2026
I met James and Laura for the first time in our office. They have an investment portfolio at another firm, and they share that their advisor is very knowledgeable with respect to the economy and broader geopolitics. But they’re not…
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Congratulations, Noland!
Posted on 22 Oct, 2026
Congratulations to Noland Ly, recipient of the 2026 RGF Integrated Wealth Management James E. Rogers Leadership Scholarship! Noland will begin an Honours Bachelor of Arts in Social Sciences and the Trinity One Program at the…
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Individual Pension Plans
By Brent Vandekerckhove on 22 Oct, 2026
Saving money on taxes is a key aspect of financial planning, and tax deferral plays an important role. Business owners often tell me about wanting to save on taxes, but may not be aware of an opportunity for additional tax deferral….
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When Trust Becomes the Target: Protecting Your Wealth from Impersonation Fraud
By Drew Carmichael on 22 Oct, 2026
For today’s investors, fraud is no longer defined by poorly written emails or suspicious calls from strangers. Today’s most dangerous scams are polished, personal, and convincing. Criminals may sound like your grandchild, write…
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Year-End Planning Moves to Consider
By Karen Leon on 22 Oct, 2026
As the end of the year approaches, a quick review can help identify planning opportunities before December 31. Tax-Free Savings Account (TFSA) If you expect to need TFSA funds early next year, consider whether withdrawing before…
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The Performance Trap: Measuring Portfolios Wrong
By Kayla Schmiler on 21 Jul, 2026
A retirement case study — what’s actually going on in your portfolio As I sat across the table from Jim, I could tell there was something weighing one him. He looked at me carefully, slid a monthly statement across the table, and…
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Tips to Avoid the OAS Clawback in Retirement
By Debbie Saleem on 20 Jul, 2026
For many high-net-worth retirees, Old-Age Security (OAS) is not a primary source of income but losing it unnecessarily can be frustrating. With thoughtful planning, it’s often possible to retain more of this benefit while still…
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Supporting Vulnerable Animals and the People Who Love Them
By Nisse Gustafson on 20 Jul, 2026
Since 1895, the BC SPCA has been here to help animals in need across British Columbia. Although the BC SPCA — the British Columbia Society for the Prevention of Cruelty to Animals — has evolved and changed in many ways over its…
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Mental Accounting: Why We Treat Money Differently Depending on Where It Comes From
By Bryn Hamilton on 20 Jul, 2026
One of the most common, and very human, financial habits we see is something called mental accounting. Mental accounting happens when we treat money differently based on its source, label, or purpose, rather than viewing all dollars…
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So What Happens Next?
By Alain Quennec on 21 Apr, 2026
The human population on this planet is set to crest in 50-ish years and then slowly crawl downwards, absent a disaster like the 1918 Spanish Flu, which caused a population decline somewhere between 2% and 5% (we weren’t so good at…
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Your Savings Options Explained: RRSP, TFSA, and FHSA
By Ryan Gee on 21 Apr, 2026
Let’s set the scene. It is the end of the day, and you are now finally able to relax for the evening. As you sit down on your cozy couch in your living room to relax, your brain starts to ponder your mental to-do list. You have…
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A Partnership That Helps Keep Families Close
By Stephanie Mosher on 21 Apr, 2026
At Ronald McDonald House BC & Yukon, the heart of our work is simple but powerful: keeping families together when it matters most. Every year, thousands of families from across British Columbia and the Yukon must travel far from…
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Changes to the Property Tax Deferment Program
By Jon Knutson on 21 Apr, 2026
The BC provincial government released its 2026 budget , which included proposedchanges to the terms of the property tax deferment program. Background Many BC homeowners use the province’s Property Tax Deferment Program, which lets…
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The RGF Integrated Wealth Management James E Rogers Leadership Scholarship
Posted on 20 Apr, 2026
The RGF Integrated Wealth Management James E Rogers Leadership Scholarship seeks to recognize anindividual who demonstrates positive leadership impact in the community. We believe in the right toeducation and want the next generation…
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The Workout to Conquer Cancer!
Posted on 19 Apr, 2026
The Workout to Conquer Cancer benefiting the BC Cancer Foundation is our chance to support cancerresearch and patient care, all while engaging in a fun and healthy activity. This event brings togetherpeople of all fitness levels to…
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Case Study: Thoughtful Planning for RESP Contributions
By Nick Hearne on 30 Jan, 2026
Jack and Jill are excited to welcome their granddaughter, Kate, to the family and would like to set aside funds to help her with future post-secondary education costs. They plan to contribute the lifetime maximum of $50,000 to a…
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Smart Wealth Transfer to Adult Children: Using FHSAs, TFSAs, and RESPs
By Cecilia Tsang on 30 Jan, 2026
For many families, supporting the next generation is a core financial value. Parents and grandparents often want to help their adult children (or grandchildren) get ahead, whether that means saving for a first home, investing early…
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The Role of the Executor
By Alyssa Mitha, JD (CA), JD (US), TEP, MFA-P™ on 30 Jan, 2026
The death of a loved one is a significant emotional event, and navigating the administration of their estate can be complex. Central to this process is the executor – also known in some provinces as the estate trustee or liquidator…
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Important Year-End Tax Filing Information 2026
Posted on 30 Jan, 2026
To help you organize for the upcoming tax season, here is some pertinent information regarding estimated tax receipt mailing dates. Document Mailing Deadline RRSPContribution Receipts Investors will receive an RRSP contribution…
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Emotions and Equities —The Dissection of a Market Correction
By Christian White on 24 Oct, 2025
Case Study: Jack and Jill, both 60, are a few years from full retirement. They own a mortgage-free townhouse and have accumulated $1.5 million in retirement assets split evenly between fixed income and global equities. Jill has a…
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AI Scams Are Getting Smarter —Here’s How to Stay Safe
By Shaun Sun on 23 Oct, 2025
Artificial intelligence is transforming how we live and work — for better and, unfortunately, sometimes for worse, especially for your financial well-being. Scammers are now using AI to mimic voices, generate convincing emails and…
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Navigating Medical Expenses from a Tax Perspective
By Eric Burrough on 23 Oct, 2025
Dealing with unforeseen medical complications can be stressful. This stress is only compounded when trying to determine the best way to claim your medical expenses for tax purposes. If you have ever felt overwhelmed, you are not…
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Feeling the Squeeze
By Mark Neufeld on 23 Oct, 2025
If you’re supporting both aging parents and dependent children, you’re part of the “sandwich generation”– typically adults in their 40s to 60s who find themselves caring for loved ones on both ends of the age spectrum….
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Congratulations Aiden!
Posted on 23 Oct, 2025
We’re happy to announce that Aiden Vince has been selected as the 2025 recipient of the James E. Rogers Leadership Scholarship, awarded annually to a student who exemplifies leadership, integrity, and community impact. Aiden is a…
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Financial Impacts of Losing a Spouse
By Anthony Ma on 17 Jul, 2025
Losing a spouse or close family member is one of life’s most emotionally devasting experiences. Amidst the grief, there is a new financial reality that sets in. From funeral costs to a sudden change in household income, the loss can…
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Smart Financial Planning for Your Vacation
By John Hale on 17 Jul, 2025
Planning a vacation is exciting, but without careful budgeting, your dream getaway could lead to post-trip financial stress. For Canadians, fluctuating exchange rates, high travel costs, and seasonal pricing make financial planning…
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Spotlight on the Arts Club Theatre Company: Celebrating Community, Creativity, and a Meaningful Partnership with RGF
By Kristina Cressman on 17 Jul, 2025
At the Arts Club Theatre Company, we believe in the power of storytelling to connect people, spark conversation, and build community. As Canada’s third-largest year-round not-for-profit theatre company, we have spent more than 60…
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Redefining Retirement
By Tara Ennevor on 17 Jul, 2025
For decades, retirement was seen as a finish line – a moment when work stopped and leisure began. But it’s no longer a one-size-fits-all concept. As one client said to me when looking toward retirement, “I am figuring out what I…
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Plant Well. Live Happy.
Posted on 17 Jul, 2025
Plant Well. Live Happy. is a rooftop garden initiative that brings a little calm and connection to the workday. Nestled on the 4th floor patio of our office, it’s a space where herbs, vegetables, and flowers grow —and so does a…
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Every Step Counts: Our Impact in WTCC 2025
Posted on 17 Jul, 2025
We’re proud to share that our team made a remarkable impact during this year’s Workout to Conquer Cancer, joining more than 2,200 participants and 150 teams in moving every day throughout May to support British Columbians facing…
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Case Study: Optimizing Retirement Income and Estate Planning for Multi-Generational Support
By Linson Chen on 29 Apr, 2025
Jack (age 75) and Jill (age 62) are a retired couple with three children and six grandchildren. They’ve built a strong foundation with more than $2.9 million in investments, a mortgage-free home, and a solid pension plan paying…
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Looking Back to Move Forward
By Brett A. Simpson on 29 Apr, 2025
RGF clients share a common, forward-looking view built on planning for uncertainty and mitigating catastrophic outcomes. Seeking experienced, principles-based advice centred on a collaboratively derived financial plan is a value…
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The Kidney Foundation Wants You to Keep Those Mighty Kidneys Healthy
By Deborah Tucker on 26 Apr, 2025
Did you know you can lose up to 80% of your kidney function and NOT even realize it? That’s because many people living with kidney disease show no symptoms until the disease is very advanced. The Kidney Foundation of Canada works in…
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Drink the Wine
By Daniel Sitar on 24 Apr, 2025
One of the most common misconceptions of Financial Advisors is that we spendour time and energy convincing our clients to save more money. However, this isgenerally not the case. In part, because we work with thoughtful,…
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How Much Do I Need to Save to Generate an Income in Retirement?
By Clay Gillespie on 27 Jan, 2025
This is a complicated question with many variables. We will argue that what you really want to know is what your after-tax income will be over your expected lifetime. Stages of Retirement Spending There are three stages to retirement…
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Artificial Intelligence in Customer Service: A Double-Edged Sword
By Cory Hill on 24 Jan, 2025
Artificial intelligence (AI) has become a significant part of the customer service landscape, promising efficiency and innovation. However, its implementation often leads to frustration and inefficiency, as illustrated by my recent…
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The Shoebox Project for Women
By Adriana Reynaga on 22 Jan, 2025
The growing number of individuals experiencing homelessness and financial hardship in Vancouver is a well-established issue, with trends showing a steady increase year after year. This escalating issue is concerning. According to the…
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BCIT Awards
Posted on 12 Jan, 2025
We would like to congratulate the recipients of the 2023 RGF Integrated Wealth Management Entrance Award and the RGF Integrated Wealth Management Achievement Award
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Important Year-End Tax Filing Information 2025
Posted on 11 Jan, 2025
To help you organize for the upcoming tax season, here is some pertinent information regarding estimated tax receipt mailing dates. Document Mailing Deadline RRSPContribution Receipts Investors will receive an RRSP contribution…
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What is Financial Planning?
Posted on 17 Oct, 2024
Financial planning is the strategic process of managing your financial resources to achieve your life goals and ensure financial security.
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