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How do you know you are getting unbiased financial advice? Trevor Parkhouse joins CTV Your Morning Vancouver and explains the difference between a financial plan and an investment portfolio. Tune in to find out what comes first, what’s important and what a financial plan might look like for you.

Whether you are young and just starting to think about your finances or well into your journey, it’s important to consider your financial goals and how to best use your “excess” wisely. Get started today by learning about common mistakes and the key goals to work toward.

Trevor Parkhouse joins CTV Your Morning Vancouver to chat about tax-free savings accounts (TFSAs) and how they offer flexibility when managing your money.

There’s no limit to how many TFSAs you can have, but there is a yearly contribution limit. It’s important to keep track — over-contributing can lead to penalties. Your contribution room resets every January, and you can check your limits anytime through your CRA account. You can withdraw funds whenever you want, and any growth stays completely tax-free. Tune in to learn more.

This week on CTV Your Morning Vancouver, we’re talking pensions. Hayley Mann walks through the key questions to consider and how to get the most out of your retirement plan. Tune in for everything you need to know — from types of pensions and withdrawal options to transferring funds and tax implications. Make the most of your pension and head into retirement with confidence.

What’s the difference between paper wealth and liquidity? Trevor Parkhouse breaks it down.

Paper wealth includes assets like home equity, RRSPs and GICs but that doesn’t always mean you have accessible cash when you need it. The key takeaway? Diversification matters. Options like a home equity line of credit or a tax-free savings account can help improve liquidity and give you more financial flexibility.

Tune in to learn how to create more breathing room in your finances.

This week, Hayley Mann joins CTV Your Morning Vancouver to break down what a Registered Retirement Income Fund (RRIF) is and how to use it effectively. While many wait until age 71 to withdraw, starting earlier may help reduce taxes and improve estate planning.

Tune in to learn how to make the most of your retirement savings.

Don’t buy insurance out of fear. Trevor Parkhouse joins CTV Your Morning Vancouver to share practical advice on protecting your income and planning ahead.

From disability insurance, which can be just as important as life insurance, to understanding critical illness coverage and the gaps in workplace benefits, Trevor explains what you need to know to make informed decisions.

Listen in for clear, valuable financial insight.

Hayley joins CTV Your Morning Vancouver to talk RRSPs and smart retirement planning. An RRSP isn’t a one-size-fits-all solution — whether you should contribute depends on your income, financial goals and overall plan. While RRSPs can help lower your taxable income (and potentially your tax bracket), it’s important not to overcontribute without understanding the long-term impact.

Tune in to learn more, and before making any decisions, speak with a registered financial planner to determine what’s right for your situation.

It’s a common question, and the right answer isn’t the same for everyone.

The decision depends on:

• Interest rates and expected investment returns
• Your cash flow and risk tolerance
• Short and long-term financial goals

Peter explains how to weigh your options and decide which approach makes the most sense for your situation.

If you’re facing debt in retirement, the right solution depends on your goals and financial situation.

Key differences include:

• How each option impacts your home equity
• The effect on cash flow and monthly obligations
• Long-term consequences for your estate and legacy

In this video, Peter breaks down when a reverse mortgage may make sense and when a consumer proposal could be the better path.

In this final session of 2025, Peter looks ahead and shares your essential 2026 financial to-do list on CTV Morning Live Vancouver.

Here are a few key takeaways:

• Review or update your will if it hasn’t been done in the last five years.
• Think twice before contributing to an RRSP if your income is under $50,000 — you may be in the lowest tax bracket.
• Over 80% of Canadians don’t have a real financial plan. How much money you have (or don’t have) has nothing to do with getting one. Find a Registered Financial Planner and make 2026 the year you get a plan in place.
• Explore strategies to make part of your mortgage tax-deductible and start building passive tax savings.

Tune in for practical insights to help you start the year with clarity and confidence.

If so, where should it go? With Portfolio Management, you hold all the cards.

Advantages include:

• The flexibility to delay income if you’re still working
• The ability to accelerate income if you have a decreased life expectancy
• The opportunity to leave a legacy to your estate, children or a charity

Tune in to this week’s CTV Morning Live Vancouver, where Peter breaks down these details and more.

More retirees are carrying mortgage debt than ever before, and it’s not always a bad thing. In this week’s session, Peter breaks down:

• Why more people retire with mortgages
• When it’s not actually a problem
• Smart ways to manage it

Retirement doesn’t have to mean being mortgage-free — it means being financially smart.