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RGF Integrated
Wealth Management

1701 West Broadway
Vancouver, B.C. V6J 1Y3

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Talk to Us

1.800.784.6066

T: 604.732.6551
F: 604.732.6553

[email protected]

Debbie Saleem

Financial Advisor and Associate Portfolio Manager

BA CFP® CIM® CLU® CHS

I have been working at RGF Integrated Wealth Management since 2001, first in an administrative role, and now as an advisor working alongside Bryson Milley, Ryan Gee and James Huynh. Together we help clients develop a financial roadmap so they can achieve their life goals and dreams.

604.737.6720

Debbie Saleem

Financial Advisor and Associate Portfolio Manager

BA CFP® CIM® CLU® CHS

Debbie Saleem

Financial Advisor and Associate Portfolio Manager

BA CFP® CIM® CLU® CHS

I especially enjoy working with clients who are embarking on their financial journey. Whether you need assistance setting up a budget, saving for a first home, applying for life and/or living benefits insurance, or planning for your children’s future educational expenses, I am eager to help.

Giving back to the community is important to me. I have volunteered with the Downtown Eastside Women’s Centre, the SPCA, the Vancouver Christmas Bureau, Seva Canada Society, and the Vancouver Food Bank. I also organize the annual Shoebox Project at RGF for women impacted by homelessness in our community.

When outside of the office, I enjoy spending time with my husband Adnan, our two sons Yusuf and Osman, and our two cats Cleo and Neko. I enjoy photography, listening to music, travelling, reading, yoga and gardening.

Degrees and Designations

BA (Political Science) – SFU
CFP® (Chartered Financial Planner)
CIM® (Certified Investment Manager)
CLU^® (Chartered Life Underwriter)
CHS (Certified Health Insurance Specialist)

Registration Jurisdictions

Debbie is a registered representative with CIRO in B.C. She is a licensed insurance agent in B.C. and Ontario.

CIRO ADVISOR REPORT

OUR TEAM

Ryan Gee
Financial Advisor

604.737.6724

Contact by Email

Meet Ryan Book an Appointment
Bryson Milley
Financial Advisor and Portfolio Manager

604.737.6723

Contact by Email

Meet Bryson
James Huynh
Associate Financial Advisor

604.737.6750

Contact by Email

Meet James Book an Appointment

takeaways

Team Insights

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 maintaining the lifestyle you’ve worked hard to achieve. The OAS program provides retirement income to Canadians age 65 and older … Tips to Avoid the OAS Clawback in Retirement

Generating Income

Retirement Transition
It’s All About the Prompt

By Tara Ennevor on 11 Dec, 2025

Artificial Intelligence (AI) is everywhere these days, from helping you find recipes to organizing your travel plans. But here’s the secret: AI is only as good as the prompt you give it. Think of a prompt as the instruction you give to your digital assistant. The clearer and more creative you are, the better the … It’s All About the Prompt
5 Ways to Make Your Executor’s Job Easier

By Debbie Saleem on 18 Aug, 2025

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

Estate Planning
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 want to do when I grow up.” As financial advisors, we’re seeing retirement take … Redefining Retirement

Preparing for retirement

Retirement Transition
Stay Focused

By Bryson Milley on 14 Apr, 2025

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

Generating Income
Case Study: Buying a Recreational Property

By Bryson Milley on 16 Oct, 2024

Having a recreational property is really something special. Homes are where parents parent, but at the cottage/cabin/camp, parents are “way more fun!”

Buying a home

Managing Cash Flow and Debt
Intergenerational Transfer of Wealth Using the First Home Savings Account

By Debbie Saleem on 11 Jan, 2024

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?

Buying a home

Helping dependents
Are You Prepared?

By Tara Ennevor on 18 Sep, 2023

During times of uncertainty or in emergency situations, especially during a serious health event or natural disasters like the recent wildfires, being prepared takes on a new level of importance.

Estate Planning
Are you Compatible…Financially?

By Debbie Saleem on 16 May, 2023

Although it’s not always easy initiating conversations around money, talking openly about finances is important for your relationship’s wellbeing.

Creating a plan

Life changes
New Savings Options and Tax Changes For 2023

By Bryson Milley on 16 Jan, 2023

It’s not often that a new calendar brings interesting new savings and tax changes, but 2023 is an exception.

Minimizing taxes
Case Study: Life Insurance in Retirement – Helping Adult Children Equitably

By Tara Ennevor on 12 Jan, 2023

How can you help an adult child in need now and ensure any other children are treated equally?

Estate Transfer Planning

Helping dependents

Life changes
The Tale of Two Inflations

By Bryson Milley on 28 Apr, 2022

Over the past few months, there has been a growing rumble of conversation about inflation. Most people know what inflation is but understanding the root cause of inflation can be something different.

Generating Income
Planning a vacation? Don’t forget the sunscreen – and your travel insurance!

By Debbie Saleem on 10 Nov, 2021

Now that the U.S. border is finally open, and Covid restrictions are beginning to ease worldwide, many of us are starting to plan the vacations we’ve yearned for.

Travel & Leisure
Mask On/Mask Off/Mask Maybe

By Tara Ennevor on 16 Jul, 2021

July 1st this year was a day of decisions. In BC, do we keep wearing our masks, take them off for good or wear them in some places but not others?
Planning for Retirement… Mentally

By Debbie Saleem on 29 Apr, 2021

You’ve met with your advisor and are delighted to find out that you’re financially on track to retire within the new few years.

Preparing for retirement

Prev Page Next Page

TAKE AWAYS

Advisor Insights

Understanding How RRIFs Are Taxed in Canada

By John Hale on 21 Sep, 2026

For many Canadians, an RRSP is a cornerstone of retirement planning. Eventually, the focus shifts from accumulating savings to drawing income from those assets. That is where a Registered Retirement Income Fund (RRIF) comes in. A RRIF lets your retirement savings continue growing tax-deferred while providing income. Understanding how withdrawals are taxed—and what happens at … Understanding How RRIFs Are Taxed in Canada
Disability Tax Credit

By Cory Hill on 14 Aug, 2026

One of my colleagues did a deep dive into the Disability Tax Credit (DTC) to help a family member. He subsequently gave us all a very informative presentation on it at one of our annual advisor retreats. I thought it may be helpful to touch on the DTC as some clients may be eligible and … Disability Tax Credit

Assisting parents

Minimizing taxes
Growing Your Money Was Only Half the Job

By Chris Eynon on 08 Jul, 2026

For most of your working life, the goal was straightforward: save consistently, invest wisely, and build your wealth over time. Retirement changes that goal. Once the paycheques stop, your investments have a new job. Instead of helping you accumulate wealth, they now need to provide a reliable income that can support your lifestyle for decades. … Growing Your Money Was Only Half the Job

Preparing for retirement

Retirement Transition
Why Market Volatility Is Normal

By Clay Gillespie on 19 Jun, 2026

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

Generating Income

Preparing for retirement
The Biggest Single Determinant of Investing Success…

By Brett A. Simpson on 15 May, 2026

At the heart of human our nature—and, by extension, modern investing—are several foundational concepts that help explain why we sometimes act more like a nervous herd of gazelles than cool-headed analysts. Herd behaviour describes the tendency of individuals to mimic the actions of a larger group, especially during periods of uncertainty (like when your DIY … The Biggest Single Determinant of Investing Success…
Spring Cleaning Tips – For Your Finances

By Anne Hammond on 13 Apr, 2026

Spring is often when we think about cleaning up our homes and our yards, getting prepared for summer. It’s also a good time to think about organizing our finances as we file our tax returns and receive our Notices of Assessment. Here are a few tips for sprucing up your finances this spring: Happy spring … Spring Cleaning Tips – For Your Finances
The Spirit of Giving All Year Long

By James Huynh on 16 Mar, 2026

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

Charitable Giving
Your Greatest Asset

By Karen Leon on 17 Feb, 2026

When I was twelve, my parents sat me down to share that my mom was diagnosed with cancer and that our family expenses will need to be cut as she will no longer be able to work while she undergoes surgery and treatments. Each of our family members did what we could, I gave up … Your Greatest Asset
RDSP Basecamp: Learning the Basics of an RDSP and How It Can Help You

By Ryan Gee on 13 Jan, 2026

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

Helping dependents

Minimizing taxes
It’s All About the Prompt

By Tara Ennevor on 11 Dec, 2025

Artificial Intelligence (AI) is everywhere these days, from helping you find recipes to organizing your travel plans. But here’s the secret: AI is only as good as the prompt you give it. Think of a prompt as the instruction you give to your digital assistant. The clearer and more creative you are, the better the … It’s All About the Prompt
Financial Literacy Month: Why Planning Brings Peace of Mind

By Brent Vandekerckhove on 17 Nov, 2025

November is financial literacy month, and as advisors, we continue to educate our clients. It’s crucial to understand what’s most important to our clients so we can continue to help and provide the best advice possible. CPP Investments Canada publishes an annual survey that asks Canadians about their finances, and I wanted to share some … Financial Literacy Month: Why Planning Brings Peace of Mind
CRA’s Digital Transition: What Taxpayers Should Know

By Anthony Ma on 14 Oct, 2025

In recent years, the Canada Revenue Agency (CRA) has been steadily moving toward digital communication. As of July 2025, that shift is accelerating. CRA has been notifying affected individuals by way of: Although there is no current guideline on CRA’s parameters for selecting which individuals are impacted, you should review your notification carefully if you … CRA’s Digital Transition: What Taxpayers Should Know
Canadian Stocks vs. Real Estate – Which Has Been the Better Investment?

By Daniel Sitar on 11 Sep, 2025

A recent article in The Globe and Mail got me thinking about a longstanding debate – is it better to invest in stocks or real estate? Of course, many Canadians own both and have built wealth through a combination of their homes and investment portfolios. The article includes the following chart, which demonstrates that the … Canadian Stocks vs. Real Estate – Which Has Been the Better Investment?
5 Ways to Make Your Executor’s Job Easier

By Debbie Saleem on 18 Aug, 2025

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

Estate Planning
The Impact of Behavioral Finance on Financial Planning

By Bryn Hamilton on 09 Jul, 2025

Understanding how behavioral finance impacts financial planning is crucial for Canadians aiming to achieve their financial goals. Behavioral finance examines the psychological influences and biases that affect investors’ decisions. Recognizing these factors can significantly enhance financial planning strategies. One key aspect of behavioral finance is the concept of loss aversion, where individuals fear losses more than … The Impact of Behavioral Finance on Financial Planning

Prev Page Next Page

takeaways

Accumulators

For the professionals I work with, you may find these articles helpful:

Disability Tax Credit

By Cory Hill on 14 Aug, 2026

One of my colleagues did a deep dive into the Disability Tax Credit (DTC) to help a family member. He subsequently gave us all a very informative presentation on it at one of our annual advisor retreats. I thought it may be helpful to touch on the DTC as some clients may be eligible and … Disability Tax Credit

Assisting parents

Minimizing taxes
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 asked a question many retirees quietly carry: “Have I even made any money … The Performance Trap: Measuring Portfolios Wrong

Generating Income

Retirement Transition
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 maintaining the lifestyle you’ve worked hard to achieve. The OAS program provides retirement income to Canadians age 65 and older … Tips to Avoid the OAS Clawback in Retirement

Generating Income

Retirement Transition
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 as equal. While this can feel logical, it often leads to decisions that work against our long-term goals. … Mental Accounting: Why We Treat Money Differently Depending on Where It Comes From

Generating Income

Life changes
Why Market Volatility Is Normal

By Clay Gillespie on 19 Jun, 2026

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

Generating Income

Preparing for retirement
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 managed to set aside some extra cash throughout … Your Savings Options Explained: RRSP, TFSA, and FHSA

Minimizing taxes

Preparing for retirement

Saving for your goals
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 themdefer property taxes on their principal residence through a low-interest provincial loan. Historically, interest was “simple interest,” sheltering participants from compounding … Changes to the Property Tax Deferment Program

Minimizing taxes
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 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

Helping dependents

Minimizing taxes

Retirement Transition
Important Year-End Tax Filing Information 2026

By Cecilia Tsang 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 receipt for any contributions made after the first 60 days of 2025 and one or more separate contribution receipts for any contributions made in … Important Year-End Tax Filing Information 2026

Minimizing taxes
RDSP Basecamp: Learning the Basics of an RDSP and How It Can Help You

By Ryan Gee on 13 Jan, 2026

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

Helping dependents

Minimizing taxes
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 defined benefit pension of $3,400/month starting at age 62. They also hold $350,000 in cash from downsizing … Emotions and Equities —The Dissection of a Market Correction

Managing Cash Flow and Debt
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 alone. Here is an overview and a few strategies to help you navigate your medical expenses in the … Navigating Medical Expenses from a Tax Perspective

Minimizing taxes

Protecting your Health
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 alter financial stability just as deeply as it shakes emotional foundations. The theoretical case study … Financial Impacts of Losing a Spouse

Estate Planning

Minimizing taxes
Stay Focused

By Bryson Milley on 14 Apr, 2025

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

Generating Income
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 – the first stage is called the “Go-Go” stage, the second the “Slow-Go” stage, and the … How Much Do I Need to Save to Generate an Income in Retirement?

Creating a plan

Preparing for retirement

Retirement Transition

Prev Page Next Page

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“
I could not recommend anyone more highly than I recommend Debbie. I’ve always felt like a priority and can tell that she genuinely cares about my financial future. She’s been a fantastic resource as I’ve begun my professional career and investing journey.
“

– Jordan S.

Resources

What Can You Expect?

After our initial Discovery meeting, where we discuss your finances, family, goals and wishes for the future, we build a comprehensive financial plan and advise you on what you are doing right and where you can improve, suggest what else you can do and bring up issues that you may not have thought of. We then go through scenarios and strategies for implementation which is followed by regular meetings to monitor and report on your unique, dynamic situation.

RESOURCES

Mortgages & Debt Management

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.

LEARN MORE

RGF IntegratedWealth Management

Talk to Us

Debbie Saleem

Financial Advisor and Associate Portfolio Manager

BA CFP® CIM® CLU® CHS

Debbie Saleem

Financial Advisor and Associate Portfolio Manager

BA CFP® CIM® CLU® CHS

Debbie Saleem

Financial Advisor and Associate Portfolio Manager

BA CFP® CIM® CLU® CHS

Ryan Gee

Bryson Milley

James Huynh

Tips to Avoid the OAS Clawback in Retirement

By Debbie Saleem on 20 Jul, 2026

It’s All About the Prompt

By Tara Ennevor on 11 Dec, 2025

5 Ways to Make Your Executor’s Job Easier

By Debbie Saleem on 18 Aug, 2025

Redefining Retirement

By Tara Ennevor on 17 Jul, 2025

Stay Focused

By Bryson Milley on 14 Apr, 2025

Case Study: Buying a Recreational Property

By Bryson Milley on 16 Oct, 2024

Intergenerational Transfer of Wealth Using the First Home Savings Account

By Debbie Saleem on 11 Jan, 2024

Are You Prepared?

By Tara Ennevor on 18 Sep, 2023

Are you Compatible…Financially?

By Debbie Saleem on 16 May, 2023

New Savings Options and Tax Changes For 2023

By Bryson Milley on 16 Jan, 2023

Case Study: Life Insurance in Retirement – Helping Adult Children Equitably

By Tara Ennevor on 12 Jan, 2023

The Tale of Two Inflations

By Bryson Milley on 28 Apr, 2022

Planning a vacation? Don’t forget the sunscreen – and your travel insurance!

By Debbie Saleem on 10 Nov, 2021

Mask On/Mask Off/Mask Maybe

By Tara Ennevor on 16 Jul, 2021

Planning for Retirement… Mentally

By Debbie Saleem on 29 Apr, 2021

Understanding How RRIFs Are Taxed in Canada

By John Hale on 21 Sep, 2026

Disability Tax Credit

By Cory Hill on 14 Aug, 2026

Growing Your Money Was Only Half the Job

By Chris Eynon on 08 Jul, 2026

Why Market Volatility Is Normal

By Clay Gillespie on 19 Jun, 2026

The Biggest Single Determinant of Investing Success…

By Brett A. Simpson on 15 May, 2026

Spring Cleaning Tips – For Your Finances

By Anne Hammond on 13 Apr, 2026

The Spirit of Giving All Year Long

By James Huynh on 16 Mar, 2026

Your Greatest Asset

By Karen Leon on 17 Feb, 2026

RDSP Basecamp: Learning the Basics of an RDSP and How It Can Help You

By Ryan Gee on 13 Jan, 2026

It’s All About the Prompt

By Tara Ennevor on 11 Dec, 2025

Financial Literacy Month: Why Planning Brings Peace of Mind

By Brent Vandekerckhove on 17 Nov, 2025

CRA’s Digital Transition: What Taxpayers Should Know

By Anthony Ma on 14 Oct, 2025

Canadian Stocks vs. Real Estate – Which Has Been the Better Investment?

By Daniel Sitar on 11 Sep, 2025

5 Ways to Make Your Executor’s Job Easier

By Debbie Saleem on 18 Aug, 2025

The Impact of Behavioral Finance on Financial Planning

By Bryn Hamilton on 09 Jul, 2025

Disability Tax Credit

By Cory Hill on 14 Aug, 2026

The Performance Trap: Measuring Portfolios Wrong

By Kayla Schmiler on 21 Jul, 2026

Tips to Avoid the OAS Clawback in Retirement

By Debbie Saleem on 20 Jul, 2026

RGF Integrated
Wealth Management