Cura Financial Planning Inc.

10/15/2026

Stop maxing out accounts blindly.

Every autumn, plenty of high earners across Vancouver rush to top up their RRSPs simply to trim a few thousand dollars off their tax bill. It feels like an easy win in the moment, but it often backfires.

Money tucked into an RRSP does not escape taxes; it just waits. Every single dollar pulled out later in retirement counts as regular taxable income. If your pension, rental property, or investment portfolio keeps you in a solid tax bracket later in life, pulling from a large RRSP can trigger heavy taxes and claw back government benefits.

Putting those funds into a TFSA or a taxable account can leave you with far more control and lower overall taxes across your lifetime.

Are you prioritizing tax savings today, or are you looking at what you will actually pay at withdrawal?

10/08/2026

Sitting on too much cash feels comforting until inflation chips away at purchasing power.

A lot of high-earning households in Greater Vancouver park large sums in basic savings accounts just to avoid market volatility. Leaving money idle year after year carries its own quiet penalty. The real purchasing power of those funds steadily shrinks against the cost of living.

A clear retirement plan balances safe reserves with disciplined growth investments. That protects your lifestyle down the road without leaving you exposed to silent cash drag.

Where do you usually draw the line between comfortable cash reserves and money that should be invested?

10/02/2026

Holding the right investments inside the wrong accounts quietly drains your returns every single year.

A portfolio split across an RRSP, TFSA, and non-registered account can look fine on paper while shedding cash to unnecessary tax drag. Canadian dividend stocks, foreign equities, and fixed income all carry different tax burdens in British Columbia. Placing a high-yield asset in an exposed account means the CRA takes a cut before compound growth has a chance to do its job.

Smart asset location fixes that without changing your underlying risk. It keeps more money working for your household instead of leaking out in taxable distributions.

When was the last time you checked which specific assets live in which accounts?

09/28/2026

📢 Reminder for business owners!

You need to file your GST/HST returns before the due date.

Remember that you have to file them regardless of whether you have anything to report: https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/complete-file-when.html

[Image description: Two people wearing aprons work on a laptop. Text reads "File your business’ GST/HST returns on time so you don’t miss refunds!".]

09/24/2026

September always feels like a second new year. Summer wraps up, the kids settle back into school routines, and work calendars fill right back up.

Most people leave tax planning until the final two weeks of December. By then, your options are pretty limited, and everyone is scrambling before the holiday break.

Looking at your corporate dividends, capital gains, and family income split right now gives you three full months to make adjustments. It is much easier to protect your cash when you give yourself time to run the numbers properly.

Do you usually look at your year-end financial checklist in the fall, or do you tackle it all during December?

09/22/2026

It's easy to focus on today's responsibilities and put tomorrow's goals aside. But every financial decision you make today shapes your future. Taking the time to create a thoughtful financial plan today can help provide greater confidence, flexibility, and peace of mind for years to come.

Start your planning journey: https://www.cura-fp.com/

09/21/2026

Ever find yourself thinking about what the next few years might look like, especially when it comes to your finances? I was chatting with a friend who said they feel more confident about their plans after sitting down and really mapping things out. It’s interesting how just taking a little time to review goals and talk through options can make such a difference.

Have you had a moment lately where you felt more in control of your financial future? Would love to hear how you approach planning or what gives you peace of mind about your money.

09/18/2026

Quick question: when did you last check what your money is actually invested in?

Most of us are pretty careful about where we spend. We shop local, we recycle, we donate to causes we care about. But then our savings sit in funds we have never really looked at, sometimes holding companies we would never knowingly support.

That gap between what we believe and what our money actually does is more common than you might think. The good news is that closing it does not mean giving up growth. It usually starts with one honest conversation about what matters most to you.

So I am curious. Have you ever looked under the hood of your own portfolio? Share your answer in the comments, or read our latest blog for a simple way to start.

Explore sustainable investing Vancouver options to align wealth with your principles. Add ethical investment strategies to your portfolio management BC plan.

09/15/2026

Financial progress isn't always about making dramatic changes. Sometimes reviewing your plan, improving tax efficiency, adjusting investments, or refining retirement goals can make a meaningful difference over time. Small improvements today often lead to stronger outcomes tomorrow.

Review your strategy: https://www.cura-fp.com/

09/15/2026

Life changes—and your financial plan should change with it. Career growth, family milestones, retirement goals, and new opportunities all deserve regular review. Ongoing planning helps keep your strategy aligned with the life you're building.

Stay on track: https://www.cura-fp.com/