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.”
CFP (Certified Financial Planner)
R.F.P. (Registered Financial Planner)
CLU(Chartered Life Underwriter)
CIM (Canadian Investment Manager)
Teresa is a registered representative with IIROC in BC, AB and ON. She is a licensed insurance agent in BC.
The balance of any successful portfolio should consider the following: Liquidity, Income, Preservation of Capital and Growth
“Retirement” – the word represents many things these days. It could be a lifestyle full of travel and adventures, or perhaps a transition to volunteer work...
Called the Great Resignation, since the pandemic, employees are leaving the workplace/workforce or switching jobs in droves.
The investment world is based on decisions humans make regarding money every day – some decisions lead to positive outcomes, and others have negative results.
When we think about the value of the Canadian dollar (CAD) in relation to other currencies, our first thought is often our buying power when we travel abroad.
I hope settling into a back-to-school “routine” has been going well for parents and students everywhere
While Canadian real estate prices have soared, so has the cost of maintaining a home. Fortunately, there is a government program to help defer one of the costs associated with home ownership.
There’s an old investment joke that goes, “Do investors care more about the return on their investment or the return of their investment?” We want growth plus our original investment back to us, don’t we?
On May 13, 2021, I was delighted to join RGF advisors and clients for their second virtual event where I discussed the ideas covered in my first book, Your Digital Undertaker– Exploring Death in the Digital Age in Canada.
It can be difficult not to jump into these high-flying stocks that we see day to day in the media.
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.
A solid credit score is your endorsement as a desirable borrower, providing you with access to capital at better rates, saving you considerable interest costs and helping you achieve your financial goals.
When we are young, we don’t know what we don’t know!
While leading retirement seminars for pre-retiring professionals over the past 10 years, I have observed diverse levels of readiness, attitude, and concern toward this major work/life transition.
Recently, my nephew and I went out for lunch to celebrate his acceptance to the University of Victoria. I would like to share some of the financial advice I passed on to him.
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…
There are some risks that we take purely for the fun of it: skinny-dipping, roller coasters, even alcohol consumption. These risks range from fairly benign to potentially catastrophic.
September will soon be upon us and with ‘back to school’, your daughter or son may be entering their first year of university/college. Often, this transition is full of angst for both young adults and parents alike particularly if the student will attend an out-of-town university. The move includes living in a dorm, making new friends, adjusting to their new studies and most importantly— it may be their first experience of living away from home.
To get this information, you, as the subscriber for the RESPs, will need to call the Canada Education Savings Program (CESP) toll-free line at 1-888-276-3624, between the hours of 8am and 5pm (ET), Monday to Friday.
My wife and I are expecting our first child this August. As new parents to be, we are spending a lot of time analyzing our finances and are doing a lot of planning to ensure that we are well prepared.
There were many changes in this year’s Federal Budget and Canadians families should pay attention specifically to the new Canada Child Benefit (CCB). Starting July 2016, this will replace both the former Universal Child Care Benefit (UCCB) and the Canada Child Tax Benefit (CCTB).
On February 16th, the BC government did the first reading of its 2016 provincial budget. As always, there is both good and bad news for BC residents, depending on their personal situations. Here are some of the highlights.
Teaching our children about money and how to handle it can oftentimes be a difficult topic for many parents.
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.
We work with Homewise to make your mortgage process simpler.
Homewise represents 30 bank and lending partners. It was started to provide Canadians with a better mortgage process. Their team is made up of finance, technology, and consumer experience experts, who have worked in the mortgage industry for many years. Their simple online mortgage process uses human language, helpful content, and access to professionals at every step.
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