Providing advice about one’s financial affairs requires a multi-faceted approach. Each client and family has unique experiences. Our work is like looking through the lens of a telescope – to see the big picture, while looking up-close at the personal details.
Providing advice about one’s financial affairs requires a multi-faceted approach. Each client and family has unique experiences. Our work is like looking through the lens of a telescope – to see the big picture, while looking up-close at the personal details.
Providing advice about one’s financial affairs requires a multi-faceted approach. Each client and family has unique experiences. Our work is like looking through the lens of a telescope – to see the big picture, while looking up-close at the personal details. We enjoy the ongoing interaction necessary to keep re-focusing that lens through life’s changes.
In 2014, Teresa was a recipient of the Fellow of FPSC (Now the FP Canada™ Fellow distinction). Her designations speak to her belief in constant learning.
Teresa has served locally and nationally on boards that have been part of shaping the history of the financial planning profession.
Teresa has been quoted in various publications including Readers Digest, Canadian Living, Vancouver Sun, and the Globe and Mail.In 2014, she was also recognized in the Investment Journal as one of Canada’s most influential women in the Life Insurance industry.
When Teresa is not working, you will find her volunteering at church and in her community. She enjoys exploring new travel sites with her husband Lee and spending time with her granddaughters. She confesses that she should visit the gym more often, and that a good sense of humour will carry one through many of life’s ups and downs.
Community Involvement
“I believe that it is better to give than to receive. Throughout most of my career I have served on community and industry boards. In more recent years, my interests have drawn me to committees overseeing board governance, finance and audit and compensation. Interacting with other passionate professionals has helped me continually improve my interaction and service to clients.”
Advocis – The Financial Advisors Association of Canada
FP Canada – FP Canada Fellow
IAFP – Institute of Advanced Financial Planning
Fellow Canadian Securities Institute (FCSI®)
FP Canada™ Fellow
Fellow of Distinguished Financial Services (FDFS™)
CFP® (Certified Financial Planner)
CLU® (Chartered Life Underwriter)
CIM® (Canadian Investment Manager)
CKA® (Certified Kingdom Advisor)
CEA (Certified Executor Advisor)
R.F.P. (Registered Financial Planner)
Teresa is a registered representative with CIRO in BC and AB.
Over a typical 10-year period based on investment returns – you’re going to love us twice, hate us twice, and be indifferent to us six times. What this actually means is that over a 10-year period, the market typically goes up dramatically twice (the years you love us), goes down dramatically twice (the years you … Why Market Volatility Is Normal
The spirit of giving, whether it’s charitable or otherwise, is usually front of mind for a lot of people every year as December rolls around. As obvious as it seems, even though it’s no longer the holiday season, the spirit of giving can extend year-round! Earnestly, I’ve only come to understand that myself in the … The Spirit of Giving All Year Long
Sometimes I ask myself, “Are our clients utilizing all the savings plans offered by our government?” For example, one type of government savings plan is the RDSP or Registered Disability Savings Plan. It is a long-term plan designed to help individuals (i.e. beneficiaries) with disabilities and their families to save for the future. To qualify … RDSP Basecamp: Learning the Basics of an RDSP and How It Can Help You
Let’s be honest – no one wants to think about dying. But if you’ve taken the time to write a will and name an executor, you’re already ahead of the curve. But naming someone to carry out your wishes is just the first step. The real kindness comes in making their job as easy as … 5 Ways to Make Your Executor’s Job Easier
Appropriate phrases for the current global financial situation as created by President Trump: “It’s a riddle wrapped in a mystery inside an enigma!” – Winston Churchill “The dumbest trade war in history!” – The Wall Street Journal (stated many times recently) “Canada? We’re picking a fight with our most reliable and pleasant friend, the labradoodle … Stay Focused
This is a question that I am asked often. Mortgage insurance through the bank is often activated, sometimes unknowingly, or without much thought or understanding, when signing the many pages of mortgage paperwork. This is because the default at most banks when obtaining a mortgage is that you automatically sign up for the insurance. Typically, … Should I get mortgage insurance through the bank?
In the world of investing, volatility often gets a bad reputation. For many, it conjures up images of erratic price swings and uncertainty. However, for the disciplined long-term accumulator of wealth, volatility is not an enemy to fear—it’s a powerful ally. Volatility represents the degree of price fluctuation in financial markets. While it may seem … Volatility: An Accumulator’s Best Friend
Markets have been doing well this year and many investors have been rewarded with strong returns for their patience, sticking to their long-term investment plans coming out of 2022 & 2023.
What a year it has been for trust reporting rules. There have been many twists and turns in this ongoing saga.
More investors are looking to align their financial goals with their personal values. Responsible investing is the integration of Environmental, Social and Governance (ESG) criteria into investment decisions. Here are some of the positive benefits ESG can play in your portfolio.
Over the years, we have come across many clients who were unaware that they, or their loved ones, might qualify for the disability tax credit (DTC).
My wife and I recently ran into a common problem faced by many homeowners. When we went to turn on the hot water the other morning, to our dismay, the hot water tank had failed sometime during the night…
The irony of getting older is that we finally have the time and financial wherewithal to travel at our leisure but, for many of us, we have “pre-existing” conditions that can make securing quality travel medical insurance a challenge.
The Home Buyers’ Plan (HBP) offers help to those striving for homeownership, enabling tax-free withdrawals from Registered Retirement Savings Plans (RRSPs) to fund a down payment.
For many British Colombians, a large amount of their net worth is tied up in the equity of their principal residence. There are four main avenues to access this equity – all with some advantages and disadvantages
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 Registered Education Savings Plan (RESP) for Kate and currently have this cash available. An RESP is … Case Study: Thoughtful Planning for RESP Contributions
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 for long-term growth, or reducing the burden of education costs. The challenge? Doing so strategically, tax-efficiently, and without triggering … Smart Wealth Transfer to Adult Children: Using FHSAs, TFSAs, and RESPs
Sometimes I ask myself, “Are our clients utilizing all the savings plans offered by our government?” For example, one type of government savings plan is the RDSP or Registered Disability Savings Plan. It is a long-term plan designed to help individuals (i.e. beneficiaries) with disabilities and their families to save for the future. To qualify … RDSP Basecamp: Learning the Basics of an RDSP and How It Can Help You
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. It’s a demanding and often overwhelming phase of life. But with the right strategies, you can manage the pressure … Feeling the Squeeze
Over the years, we have come across many clients who were unaware that they, or their loved ones, might qualify for the disability tax credit (DTC).
As the days get longer, we look ahead to summer vacations and time with loved ones. For Dana, this means more time at her family cottage in the Gulf Islands.
Group RESPs and Scholarship Trust Plans should not be mistaken for a traditional education savings plan. Great care should be taken when you are investigating your education plan options. Group Registered Education Savings Plans, which are a type of Registered Education Savings Plan (RESP) that is managed as a Scholarship Trust Plan (STP), have emerged … Buyer Beware – Group RESPs and Scholarship Trust Plans
As the parent of two teenagers, I think I have a good idea of what it costs to raise them. Over time, costs transition from diapers and new clothes as they continuously outgrow them, to paying for activities and increased food consumption in their teenage years.
If you own a home, you may have assumed that the new First Home Savings Account (FHSA) is of no use to you. But have you considered using it as a tool to transfer a portion of your wealth to an adult child or grandchild?
Todd, an engineer, and Margo, a part-time daycare worker, are 54 years old, live in Vancouver, and have two adult children.
How can you help an adult child in need now and ensure any other children are treated equally?
September means students are heading back to class. Every dollar counts when you’re a student – here are five tips on stretching that cash.
According to Albert Einstein, “compound interest is the most powerful force in the universe.”
You’ve raised them, educated them, and now your adult “kids” are on the verge of moving out. But before they leave the nest there’s one more important lesson to pass on – how to manage their finances!
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Whether breaking glass
Over the years, I have had the privilege of working with great men. I have found though, that women communicate differently – whether they need details to affirm their decision-making, or whether they need
Helping aging parents means stepping into someone else’s shoes.
This is a big step. Sometimes it happens naturally and sometimes the responsibility comes on quickly. It is important to understand the responsibility and accountability one bears coming into the role with your parent’s Power of Attorney. We have worked with hundreds of seniors over the years and assisted many adult children to bridge this gap in conversation, and in actual duties.
If you work in the charitable or not-for-profit sector, we share your passion for others.
Working with individuals in our business is a long-term relationship. What makes that rewarding is working with people we connect with. Passion for work in the charitable or not-for-profit sector can sometimes mean working for less in wages, or in an industry in constant transition. You love the organization and those whom you serve. You want to keep your eye on the organization which is so important to you. Let us help you with your personal matters so you can do just that.
Are you ready? We can help you find out, then work with you to get there.
Retirement means different things to different people. For
We have the experience to help you know for sure.
LegalShield
LegalShield is a prepaid legal services expense plan which provides affordable, accessible legal support to its members. Members pay a monthly fee for legal services plans, with options for Individuals, Families and/or Small Businesses. Plans include advice, consultation, representation & document preparation. Details of the legal services provided, and limitations, are outlined in the terms of the online contracts. An optional additional service includes Identity Theft Protection.
LegalShield utilizes a network of provider law firms to offer legal services to their members and covered family members.
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1) LegalShield is a third party provider, with a referral relationship with RGF Integrated Wealth Management Ltd. (RGFI).
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3) Neither RGFI or its associates directly or indirectly provide legal services, representation or advice. You will indemnify and hold us harmless from any and all losses, liabilities, costs and expenses resulting from your relationship with Legal Shield.
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Mortgage and debt management is an important element of your financial plan.
Pilot Mortgage Group is one of the top mortgage brokerage companies in Canada. They work with over 50 different lenders to secure the best mortgage financing for your specific needs. Pilot also has a large emphasis on ongoing mortgage management that ensures your mortgage remains the right fit. Should you wish to get started with Pilot, you can start on the online application below or speak with our advisory team to hear more about how they may be able to help you with your upcoming financing needs.
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