NoahLundy

NoahLundy 📊 Financial Rep for the Kootenay Region
Helping families & small biz protect, grow & enjoy their money.

Proud Kootenay local 🌄 | Coffee in hand ☕ | Always down to chat
💬 DM me “Money” for a no-pressure strategy session We provide a road map to your financial independence, which includes a plethora of services that no other company can compare to. We do ask for referrals if we do a fantastic job for you, which I assure you we will.

09/02/2026

Hard Truths to Face Before Retirement

08/31/2026

Workers Value Pensions as Coverage Shrinks

What's a good monthly retirement income in Canada, and how do you know if you're on track?Wondering if your retirement s...
08/30/2026

What's a good monthly retirement income in Canada, and how do you know if you're on track?
Wondering if your retirement savings are on track? 🇨🇦 Most Canadians need $3,500–$5,000/month to retire comfortably—but CPP and OAS won’t cover it all! Are you set up with enough in your RRSPs, TFSAs, or pensions? 💸 Let’s talk smart strategies for your future! 👇
https://www.vusocial.com/agent-news/noah-lundy/1790979-What%27s-a-good-monthly-retirement-income-in-Canada%2C-and-how-d

Christopher Liew: The wrong ways to save for retirementIt’s easy to think you’re doing everything right with your retire...
08/28/2026

Christopher Liew: The wrong ways to save for retirement
It’s easy to think you’re doing everything right with your retirement savings—especially if you’re disciplined about it. But even committed savers can unintentionally lose ground by using the wrong accounts, overlooking employer matches, mismanaging refunds, mismatching investments, or paying unnecessary fees. I see time and again that small missteps can add up over the years and become big obstacles to financial peace of mind. The good news is, making smart tweaks—like choosing the right accounts, reinvesting refunds, keeping your asset mix aligned with your goals, and watching those fees—can make a real difference in your long-term security. It’s not just about saving, but about saving wisely. Building a thoughtful plan and working alongside someone who thinks about how money works every day can help turn your effort into genuine peace of mind down the road.
https://www.vusocial.com/agent-news/noah-lundy/1791170-Christopher-Liew%3A-The-wrong-ways-to-save-for-retirement

08/27/2026

Canada Retirees Plan Around Benefit Clawbacks
One of the biggest sources of financial stress for Canadian retirees is navigating the complex world of government benefit clawbacks. For 2026, if your net income crosses $95,300, you’ll see your senior benefits start to shrink in the next payment cycle. Consider a 71-year-old with a $1.5M registered income fund: mandatory withdrawals could run as high as $79,200. Factor in public pensions and senior benefits, and it’s easy to see how income can quickly exceed the threshold.

It’s not just registered fund withdrawals that count—corporate dividends, capital gains, rental income, and even the benefits themselves all add up to your net income. Multiple income streams can stack up faster than you think. The good news: withdrawals from tax-free accounts aren’t counted as income, and eligible Canadians have up to $109,000 in contribution room for 2026. That makes tax-free accounts a key shield against clawbacks.

Planning ahead—well before age 71—can help you avoid unpleasant surprises. Modeling withdrawals, considering earlier drawdowns from registered plans, pension splitting, and carefully timing income from a private corporation are all strategies to help you stay under the threshold and reduce financial stress. As someone who spends a lot of time thinking about how money works for real people, I believe the right plan can make your retirement years truly enjoyable—not just financially secure.

08/26/2026

Canada: RRSP Contributions and Your Limit
Understanding your RRSP contribution limit is crucial for making the most of your financial planning—and I’m a firm believer that a thoughtful approach to money helps take the stress out of your future. In Canada, the RRSP deduction limit determines how much you can deduct for yearly contributions to your RRSP, PRPP, SPP, or your spouse’s (or common-law partner’s) plan. This limit is set based on your unused room, earned income (up to the annual cap), as well as pension adjustments, reversals, and past service adjustments.

You’re generally able to contribute to your RRSP, PRPP, or SPP until December 31 of the year you turn 71, as long as you have available deduction room. For your 2025 tax return, qualifying contributions can be made up until March 2, 2026. Deductible amounts include current and spouse-plan contributions, plus any unused room from prior years. Keep in mind, you can’t deduct administration or trading fees, interest from borrowing to contribute, capital losses within your RRSP, or employer PRPP contributions. And if you go over your limit by more than $2,000, you’ll face a monthly tax penalty.

I always remind clients: having a clear game plan and understanding these rules is what helps you keep more of your hard-earned savings working for you—removing some of the financial worry from life’s unexpected moments.

08/25/2026

How to Choose a Financial Advisor in Canada: Questions to Ask
Let’s connect and talk about the latest insights in the industry!

08/25/2026

Give Your Child a Financial Head Start
Smart, simple investment strategies designed to help your child build wealth for education, adulthood, and their future dreams.

08/24/2026

Canada Senior Benefits Rise in Early-Q3

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3440 Krestova Cemetery Road
Crescent Valley, BC
V0G1H2

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