Darcy Feth - IG Wealth Management

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Darcy Feth - IG Wealth Management

IG Wealth Management Inc.

Mutual Fund Division

Darcy Feth is a Certified Financial Planner with expertise in working with Executives & Individuals, with a strong focus on helping them transform their financial future and achieve their financial goals.

09/03/2026

Should I contribute to an RRSP, a TFSA, or both?

A common questions for most Canadians.

The introduction of the Tax-Free Savings Account (TFSA) in 2009 represented the most important change to the way Canadians save money since Registered Retirement Savings Plans (RRSPs) were launched in the 1950s.

When choosing between an RRSP or TFSA, you need to understand your personal financial situation and your short- and long-term goals.

Here's a simple way to look at it (a general view BUT please speak to your advisor or message us if you have more questions)

✓ Consider RRSPs for long-term investments and if you expect to be in a lower tax bracket after retirement.

✓ TFSAs may be a better option for short-term goals and can be more tax-efficient if your pre-retirement tax rate is no more than your retirement tax rate.

Both RRSPs and TFSAs provide investors to achieve their financial freedom goals.

Hope this helps..🙏
If you want to learn more about this contact me at :
[email protected]

09/03/2026

How to Build Generational Wealth? (a simple but powerful question to ask)

What is 'Generational Wealth'?

Generational wealth is the ability to preserve and transfer assets from one generation to the next. Providing your children or grandchildren with even asmall financial safety netas they become adults may make it easier for them to achieve milestones, including going to college or purchasing a house.

Since your children or grandchildren may not use your assets for decades, you need to create a forward-looking investing plan that accounts for economic factors such as inflation

The goal behind amassing generational wealth is totake care of your childrenand grandchildren to make sure they have a better life than you have

Creating and sustaining generational wealth is no small task, but taking the following steps can help. Here are 5 simple steps.

✓ Step 1 -Talk About Money With Your Children
It’s important to make sure your children know and understand the money decisions that you’re making over time.

✓ 2- Build an Emergency Fund
Having at least three months’ worth of expenses in a liquid account will give you more flexibility if anunexpected expense arisesor you lose your job. By tapping into your emergency fund, you can let your long-term savings continue to grow untouched.

✓ 3- Prioritize Saving & Invest
Building enough wealth that it can last across generations requires consistently living below your means (and saving your excess income). Start by maxing out your retirement accounts, then you can move on to investing in outside brokerage accounts and other assets that might gain value over time.

✓ 4-Think About the Long Term
Your children or grandchildren may not own or use your assets for many decades. You have to create an investing plan that looks decades into the future and takes into account factors such as inflation, which can erode the value of your assets over time.

✓ 5-Have an Estate Plan
Having an estate plan – including a will and powers of attorney – ensures that your assets will get distributed the way you want after you pass away. Estate planning professionals can also help you set up a plan that minimizes the amount of taxes your heirs might owe on their inheritance.

What are your thoughts - comment below 👇

09/03/2026

Retirement planning for corporate executives and professionals

Do you contribute to your RRSP plan ?

GREAT

Does your employer contribute as well?

If Yes, then that’s also a great benefit.

Now let me ask you:
Do you think just contributing (or even maximizing) into your RRSP is going to help you RETIRE comfortably?

Not necessarily.

Each individual is different and has different goals and lifestyles

So while you should contribute to your RRSP, you must look into your personal goals and make sure your retirement plan allows you to retire.

For example, is there money for a playcheque, not just the paycheque?

Message me to learn more and let's put the right plan in place for you.
Schedule your free strategy session :
https://darcyfeth.pages.fintello.com/calendar?post_id=Mjk5OTU1

09/03/2026

5 MYTHS about “Retirement” that you need to be aware of

When I speak with individuals on the topic of RETIREMENT, I hear all sorts of things and most of them are concerning

So I decided to make this post hoping this will help you

Here are top 5 MYTHS about Retirement

1. I need $_________ before I can retire
2. Maximising RRSP contributions is all I need to retire comfortably
3. I don’t have time to plan for retirement, we will figure it out
4. I need to pay off my home and that is my retirement plan
5. Investment portfolio management is the main part of a retirement plan

Now as you see all of the above may not be applicable to an individual
Your retirement plan is entirely dependent on your goals and vision of retirement

So don’t fall victim to “one size fit all” thinking when it comes to YOUR retirement

Need help with this?

Send me a message

09/02/2026

Why should you focus on your personal financial and retirement planning today and not wait? Read below 👇

It is important to focus on personal financial and retirement planning today, rather than waiting until later, for several reasons.

✓Firstly, planning early gives you more time to save and invest, allowing you to benefit from compound interest and take advantage of the stock market’s long-term growth.

✓Secondly, it gives you more control over your future financial security.

Planning early also allows you to set realistic goals, manage your expenses and debts, and create a cushion for any unexpected expenses.

Additionally, it allows you to make informed decisions regarding insurance, health care costs and other important matters. Finally, it gives you the opportunity to establish a legacy for future generations by leaving a legacy through life insurance, trusts or other investments.

By taking the time to focus on personal financial and retirement planning today, you can ensure a secure retirement and peace of mind in the future.

Don't wait as time is money, literally, when it comes to this. Let me know how I can help.
If you want to learn more about this contact me at :
[email protected]

09/02/2026

Are you close to retirement?

You've worked hard for years, and now it's time to reap the rewards. A retirement plan can help you retire faster and see your progress towards your goals.

Plus, making some important decisions about your future is easier with a plan in place.

We want to help make your retirement as comfortable and carefree as possible.

That's why we offer a variety of retirement planning options - so you can choose the one that best suits your needs.

With our help, you can relax and look forward to enjoying your golden years.

Sign up for a free consultation today to get started on your retirement plan! Just message us 👇

09/02/2026

Why Corporate Professionals MUST look into their Financial Plan today?

One of the mistakes I see corporate professionals make is that they are too busy to plan for their personal financial freedom.

They spend hours preparing “Business Plan” for their companies BUT

They find it hard to spend even few hours to prepare their “Personal Financial Plan”

Think about it, which one is more important to you and your family?

Sure, you must give your 100% to your employer as they pay you and that puts food on the table

BUT

If you don’t look at your personal plan then who will?

It’s YOU

So if you haven’t reviewed your financial plan and do not know your “Replacement Ratio” then you should do that now

Need help with this?
Schedule your free strategy session :
https://darcyfeth.pages.fintello.com/calendar?post_id=Mjk5OTQ3

09/02/2026

Would you let the government write your will?

A study has found that 62% of Canadians have not planned for their estate and left it to the government.

These means they don’t have a say in distributing their assets, selecting an executor or protecting their estate for future generations.

Is that what you would want for your children and loved ones?

It doesn't have to be that way.

Note: This month we are offering a free consultation and review of your estate and will plan. Just message us here for more info.

09/01/2026

A common question - 'What Does a Financial Advisor Do For You?'

Here's some insight.

A financial advisor provides assistance with various financial matters to assist individuals in preparing for and maintaining their desired retirement lifestyle. While a comprehensive discussion of this topic is not within the scope of this article, a financial advisor is a skilled professional who offers guidance on overall money management. The specifics of their services are tailored to the individual needs of each client. Generally, however, a financial advisor aids most clients in achieving several overarching objectives:

1. Budgeting and expenditure management
2. Investment portfolio management
3. Asset and tax optimization strategies
4. Long-term wealth accumulation
5. Establishing and attaining financial goals

Depending on the extent of their services, a financial advisor may also provide accounting assistance. For instance, a typical financial advisor may assist in devising a plan to maximize tax benefits. Certain financial advisors may even employ the services of an accountant to handle annual tax preparation.

Having said that, financial advisors focus on the bigger picture. For most individuals, their primary interaction with a financial advisor centers around establishing and managing their retirement fund. Therefore, this relationship is often perceived as one that ends as an individual reaches financial readiness for retirement, as it marks the successful completion of the financial advisor's primary responsibility.
If you want to learn more about this contact me at :
[email protected]

09/01/2026

Wealth transfer is a very critical topic in our generation. We are all trying to create a life of abundance for our children, but most people need to realize the importance of proper estate and WILL plan.

Here are the three phases of wealth transfer to consider.

✓Phase 1 - Transfer during your lifetime

This is where parents provide various types of financial support to their kids during their lifetime.

✓Phase 2 - Transfer within a household

This is where assets are transferred to another spouse after the death of one spouse.

✓Phase 3 - Transfer to the next generation

This is where assets are transferred to the next generation after the death of both parents.

Each step must be planned carefully.

You should start thinking about this and if you need help, send me a message, and I'd be happy to provide more information

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6th Floor, Landmark 6/1631 Dickson Avenue
Kelowna, BC
V1Y0B5

Website

http://www.darcyfeth.com/

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