SaaS Wealth Insurance

SaaS Wealth Insurance Financial education from working with my 7 & 8 figure clients💰🇨🇦

05/29/2026

Most people think keeping money in a savings account is the safe move.

But when your account pays 0.5% and inflation is running at 2.5%, you're losing purchasing power every single year without touching a thing 📉

A TFSA invested in something simple or a high interest savings account can close that gap. It doesn't have to be complicated.

🛎️ If you're not sure where to start, follow along. I share practical breakdowns like this every week!

05/27/2026

If you're incorporated and maxing out your RRSP every year, you might be leaving tax sheltered room on the table. 💰

An Individual Pension Plan is a defined benefit pension set up through your corporation, though in practice it functions more like a defined contribution plan in how contributions are made and managed.

It's designed for incorporated owners roughly 40 and older who want to shelter more income than an RRSP allows. 📈

The older you are, the higher the contribution room.
And because the corporation makes the contributions, they come out as a pre-tax business expense. 🏢

If you've been incorporated for a while, there may also be a past service catch-up available, meaning you could make a larger contribution right now for years you didn't have an IPP in place.

05/25/2026

Most business owners know they shouldn't pull everything out of their company.

What they don't know is that letting it sit there is costing them too.

Too much passive income and you start losing your small business deduction. No holding company structure and that cash is fully exposed.

Retained earnings need a plan.

The money doesn't have to burn. But without advice, it kind of is.

05/22/2026

Congratulations to all the new grads! 🎓

Now let's talk about what nobody tells you after you cross that stage.

Most people with student loans are paying them off in the wrong order.

If you have credit card debt sitting at 20 percent interest, that needs to go first. Government student loans carry relatively low rates by comparison, and the math almost always favors tackling high-interest debt before anything else.

And before you assume you do not qualify for help, check if your province has a repayment assistance program. A lot of people are eligible and never apply.

🛎️ Follow for more tips every week!

05/21/2026

You just graduated. Congratulations! Now here are three financial moves worth making before you get too busy to think about them 🎓

First, open a TFSA if you haven't already. Any investment growth inside it is completely tax free. The earlier you start, the more time your money has to compound

Second, if your employer offers matching on a pension or group RRSP, contribute enough to get the full match. That is literally free money sitting on the table 💼

Third, if you're thinking about buying a home one day, look into the FHSA. It gives you a tax deduction on contributions and tax free growth specifically for a first home purchase

You don't need to have everything figured out right now. You just need to start. Even small contributions in your early 20s make a massive difference by the time you need them.

🛎️ Follow for more tips like this every week!

05/20/2026

Most business owners have a plan for growth. Almost none have a plan for what happens if they can't show up for six months.
🤔

If you get sick tomorrow, your income stops. Your lease, payroll, and operating costs don't. Disability insurance covers you personally but does nothing for the business itself.

Business overhead expense insurance is a separate product that keeps your fixed costs covered while you recover. 💡

Most incorporated owners have one but not the other. Some have neither. Both are expensive gaps.

🛎️ Follow for more tips like this every week!

05/19/2026

🎙️ From The Eh List 🍁

In this episode, Sanaz Lafuente breaks down one of the biggest shifts happening in the workforce right now. AI isn't just changing what we do, it's changing what companies actually need from their people.

The technical skills that used to set candidates apart? They're becoming the baseline. What's rising to the top now are soft skills: communication, adaptability, critical thinking, and emotional intelligence.

For new grads entering the workforce, this is the conversation to hear. The edge you're looking for isn't in another certification. It's in how you show up, collaborate, and lead.

05/14/2026

When it comes to life insurance, most people don't know the difference between the two main types. Here's the simple breakdown 🚨

Term insurance covers you for a set period, usually 10 or 20 years. It's the most affordable option and works well for covering specific needs like a mortgage or replacing income while your kids are still young. When the term is up, the coverage ends 💼

Permanent insurance covers you for life and builds cash value over time. It costs more, but it plays a role in estate planning, tax strategy, and leaving a legacy. It's a long-term tool, not just a safety net.

05/13/2026

Do you and your business partner have a buy-sell agreement? If not, you should probably read this 🚨

A buy-sell agreement covers four scenarios: death, disability, divorce, or a partner wanting out.

Without one, there's nothing stopping your partner's ownership from ending up with someone who has never been part of the business. Their spouse, their estate, someone you've never met sitting across the table with a 50% stake 💰

The agreement sets a price ahead of time and is usually backed by life and disability insurance. When something happens, the funding is already there. No scrambling, no valuation fights, no guesswork during an already difficult moment.

Think of it as a prenup for your business. The conversation takes an hour. Skipping it could cost you the whole company.

🛎️ Follow for more tips like this every week!

05/12/2026

🎙️ In this clip from The Eh List 🍁 I sat down with Sanaz Lafuente to talk about what it actually takes to build teams that don't fall apart when things get hard.

Sanaz introduces the idea of autonomous and self-healing teams. Teams that can identify problems, adapt, and recover without needing someone at the top to step in every time.

In a world where organizations are moving faster than ever, that kind of resilience isn't a nice to have. It's the difference between a team that scales and one that stalls.

Are autonomous teams becoming the new standard in tech?

05/08/2026

The federal government just released its Spring Economic Update and there's more in it than most people realize. 📋

The deficit is coming in lower than projected. The IMF is forecasting Canada to be the second fastest growing economy in the G7 this year 📈

On top of that, the update included the Canada Strong Fund announcement, a plan to accelerate housing construction, and a push to diversify trade relationships beyond the US.

Whether you agree with the government's direction or not, the takeaway for your financial plan is straightforward. Canada's economy is showing more resilience than the headlines have been suggesting.

That matters when you're making long-term decisions about your business, your investments, and your family's financial future. 💡

Address

Vancouver, BC

Website

https://saasinsurance.ca/

Alerts

Be the first to know and let us send you an email when SaaS Wealth Insurance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category