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.
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.
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.
“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.”
Fellow Canadian Securities Institute (FCSI™)
FP Canada™ Fellow
Fellow of Distinguished Financial Services (FDFS™)
CFP (Certified Financial Planner)
R.F.P. (Registered Financial Planner)
CLU(Chartered Life Underwriter)
CIM (Canadian Investment Manager
CEA (Certified Executor Advisor)
Teresa is a registered representative with IIROC in BC, AB and ON. She is a licensed insurance agent in BC.
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
Many people believe that managing their money is only about math, but did you know that your mental health is related to your money too?
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?
To help you organize for the upcoming tax season, here is some pertinent information regarding estimated tax receipt mailing dates.
Born in Kolozsvar, Hungary (now Romania), in 1902, Abraham Wald’s educational journey began with home-schooling before he pursued geometry at the University of Vienna.
What does the ocean mean to you? For many of us it is a destination, a place to relax and unwind.
Although we don’t prepare tax returns, we do keep up with what’s happening with Canada Revenue Agency and how that affects our clients.
Saving money in your Tax-Free Savings Account (TFSA) is never a bad idea. One of the perks of living in Canada, aside from its beautiful landscape and friendly citizens, is having the ability to set aside after-tax dollars in a TFSA...
Buying a home can be a challenge for many Canadians. Fluctuations in home prices, along with increased interest costs play a huge part in a first-time homebuyer’s ability to afford a home.
Todd, an engineer, and Margo, a part-time daycare worker, are 54 years old, live in Vancouver, and have two adult children.
The RGF “Market Cycles” once again completed the Tour de Cure, riding 180 kilometres from Chilliwack to Hope. It was a fantastic experience with two days of cycling, camaraderie, and laughter.
We would like to congratulate the inaugural recipient of the RGF Integrated Wealth Management James E Rogers Leadership Scholarship!
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.
You may have heard rumblings about changes to the “Alternative Minimum Tax,” and have perhaps asked yourself, what is this and how does it affect my own situation?
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!
We can give our children a lot – from material possessions, to our time and energy. In return, we often desire or expect expressions of gratitude from them, but this doesn’t always happen.
Informal trusts, or ITFs, are a tax-efficient way to provide a savings plan for a minor child. These accounts can be used for funding future education, protecting an inheritance or, as is often the case...
When my oldest son turned 19 last year, he was very surprised when I insisted that he apply for his first credit card – a student credit card with a low limit and no annual fee. He happily obliged!
With spring just around the corner, parents may be wondering what memorable gift may be appropriate for their graduating daughter and/or son.
We are fortunate to have a publicly-funded health care system that ensures that all eligible B.C. residents have access to medically-necessary health care services through the province’s Medical Services Plan (MSP). However, you might not be aware that the province also covers eligible prescription medications, medical supplies, and pharmacy services through the PharmaCare program.
Generally speaking, you can contribute to a family plan as long as the beneficiaries are less than 31 years of age at the time of contribution.
When a child is a resident of Canada and receives a permanent social insurance number, they instantly qualify for Registered Education Savings Plan (RESP) benefits.
A New Year is underway and some of us have already broken our New Year’s resolutions…
Government of Canada information regarding persons and/or children with disabilities, and compassionate care leave.
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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
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
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.
Disclosure:
1) LegalShield is a third party provider, with a referral relationship
with RGF Integrated Wealth Management Ltd. (RGFI).
2) RGFI is paid a
referral commission by LegalShield for all clients referred by RGFI and its
associates.
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.
By clicking I Accept, you are acknowledging that you understand and agree
to the above terms regarding RGFI's relationship with LegalShield, and will be
taken to the LegalShield sign-up portal where you can view details of
LegalShield plans.
Out-of-province medical care can place a significant burden on your financial resources. One of the Manulife’s Travel Insurance plans may be appropriate for you if you are travelling for pleasure or on business.
Click here for your travel insurance needs. You will be directed to Manulife’s website where you can:
- learn more about their plans
- obtain a quick quote
- apply for coverage
Please call 1-800-565-2338 to speak with Manulife experts, should you have any questions about the plans or your application.
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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