July 2025

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9 Common Ways Canadians Erode Their Wealth

Managing money isn’t always glamorous, but small missteps can quietly chip away at your nest egg. Avoid these nine wealth-killers, ranked from "minor leak" to "financial sinkhole."

9. Chasing Loyalty Points - We all love a deal, but loading up on loyalty points by spending more than you planned is a losing game. If you spend $5,000 just to earn "free” rewards, you’ve negated any benefit–and if you carry a balance, interest charges...

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Life Insurance: What You Need to Know

When it comes to life insurance, the name is a little misleading–it’s not really for your benefit. It’s there to protect the people you care about most if something happens to you. In a way, it’s more of a "loved ones’ lifestyle protection plan."

One of the first things to understand is that you don’t buy life insurance with money–you buy it with your health. If you become seriously ill, you may not qualify, no matter how much you’re willing to pay. So, waiting too long...

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Tax Efficient RRSP Withdrawal Strategies

Many Canadians diligently contribute to their Registered Retirement Savings Plans (RRSPs) throughout their working years, aiming for a comfortable retirement. However, when it comes to withdrawing these funds, the strategy isn’t always straightforward. For some, tapping into their RRSPs earlier than traditional retirement age can offer significant tax benefits and financial flexibility.

Why Consider Early RRSP Withdrawals? - The conventional wisdom suggests deferring RRSP withdrawals to delay taxes as long as possible. Yet, this approach might not be optimal for everyone. Withdrawing funds during years when you’re in a lower tax bracket can reduce your overall tax burden. This strategy, sometimes referred to as an "RRSP meltdown," involves strategically...

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Happiness often sneaks in through a door you didn’t know you left open.

John Barrymore

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Please read the prospectus of the mutual funds in which you invest. The information in this email newsletter is general information only and is not intended to constitute specific legal, accounting, financial or tax advice for any individual. Mutual funds are sold through PEAK Investment Services Inc. All other products and services are offered through Integrated Insurance Management.

Integrated Insurance Management
603 Tuscany Springs Blvd NW Calgary, AB T3L 2Y2
Ph: (403) 777-4050