Low Financial Services Inc.

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Markets don’t crash because of headlines… they react to uncertainty 😬

And global conflict? 🌎 It’s one of the biggest short-term drivers of volatility—but rarely a long-term strategy breaker.

The investors who win aren’t the ones who predict conflict…

They’re the ones who stay disciplined through it.

💡 Stay invested
💡 Stay diversified
💡 Stay focused on the long term

Want help building a strategy that holds up in volatile markets? Find an Advisor you trust, or click on the link in our bio to get in touch.

Most people don’t think about life insurance until it’s too late… 😬

But here’s the truth. 🫶 It’s not about you, or for you — it’s for the people you love.

Term life insurance is one of the simplest and most affordable ways to protect your family financially if something happens to you.

✔️ Cover the mortgage
✔️ Replace lost income
✔️ Protect your kids’ future

Give your family time to grieve—not stress about money 💕

You can lock your rate in based on your age and heath today, for a specific term. 💪🏼 There’s so many other benefits that you can add to a term contract to add value, too.

I’ll talk about how to calculate what you need when it comes to term life next time.

✨ If you’ve been putting this off, this is your sign. Get yourself an Advisor to talk about the products that will work best for you… term life being one option! ✨

Let’s make sure your family is protected.

📩 DM me to book a quick intro call to learn more about working with us.

Thinking about opening an FHSA or RRSP for the Home Buyers Plan 💭

To qualify, you need to:

🇨🇦 Live in Canada
🎂 Are of legal age
📉 Aren’t over 71
🏡 Haven’t owned a home in 4 years

If you meet these criteria, then you’re good to go ✅

PSA: You read that right! You can be a “first time home buyer” more than once. The 4 year rule is an important one ☝🏼

Follow along for more tips around money management, including financial concepts surrounding your wealth, life, and health ♥️

Over-contributing to your FHSA? This is one mistake you don’t want to ignore 👇

That extra amount doesn’t just sit there…
It gets hit with a 1% tax penalty EVERY month 😬 And it keeps going until you fix it.

Here’s how to stop it:

✔️ Withdraw the excess (may be taxable)
✔️ Make a tax-free designated withdrawal
✔️ Transfer it to your RRSP/RRIF
✔️ Or wait for new room (but the penalty continues until then)

The FHSA is one of the best tools for first-time buyers… 👏🏼 But only if you use it properly.

Save this so you don’t forget 🔖 And send it to someone who’s trying to buy their first home 🏡

Follow for more easy to follow money tips 👏🏼

Your FHSA isn’t just a savings account… it’s a strategy with tax advantages 👀

When you contribute, you lower your taxable income — which can mean a refund back in your pocket 💰

And instead of that money going to the government… you can use it to:

✨ Boost your down payment
✨ Cover closing costs
✨ Furnish your new home
✨ Fund your RRSP Home Buyers Plan

Example 🤔 An $8,000 contribution could save you about $2,372 in taxes, based on a $75K income in Ontario, without taking into consideration other deductions.

And that refund? You can deposit to your RRSP, if you’ve got the room, giving you even further potential savings next tax season!

That’s real money working toward your first home 🏡 Smart moves now means you get your keys sooner.

Follow for more simple wealth-building tips for Canadians 🇨🇦

FHSA contributions might look simple… but there are a few rules that can make a BIG difference 👇

Let’s talk about the contribution limit first!

💰 $8,000/year contribution limit
📈 Carry forward unused room (up to $16,000/year max), starting once the account is opened
🏡 $40,000 lifetime total
🔥 Tax deductions means a potential refund

BUT ⚠️ Overcontribute and you’ll get hit with a 1% monthly penalty.

This account is one of the BEST tools Canadians have for buying their first home…
if you use it properly.

Follow along for a few other key parameters you need to know about the FHSA… including a few you might not know about!

👉 Are you maxing your FHSA this year?

Thinking 🤔 about buying your first home in Canada?

You’ll want to know about the First Home Savings Account (FHSA) 🏡

It’s one of the most powerful tools available for first-time buyers because it combines some of the best features of an RRSP and a TFSA:

✔️ Contributions can reduce your taxable income.
✔️ Investments grow tax-free.
✔️ Withdrawals for a qualifying first home are tax-free.
✔️ Transfer to an RRSP if not used, with no penalties.

You can contribute up to $8,000 per year with a $40,000 lifetime limit. 💪🏼 That room starts accumulating the year you open the account.

And if you’re buying with a partner, you can both open one ☝🏼

That means potentially $80,000 saved toward a down payment, plus years of tax-free growth.

If buying a home is on your radar, the FHSA is definitely worth understanding 😀

💬 Did you already open an FHSA?

Most Canadians know their TFSA grows tax-free… 🤔 but very few know how important one small designation can be when it comes to their spouse.

If you’re married or common-law, listing your spouse as a successor holder instead of just a beneficiary can make a big difference.

✔️ The account can continue as a TFSA
✔️ Investments stay invested
✔️ Tax-free growth continues
✔️ Less paperwork and fewer delays

It’s a tiny detail that could make things much simpler for your spouse one day.

💡 A quick beneficiary check today could save a lot of stress later.

👉🏼 Have you ever checked who’s listed on your TFSA? Now’s the time!

Just because it’s called a Tax-Free Savings Account… 🤔 doesn’t mean it should be used like a savings account.

A TFSA is actually designed to hold investments! Not just cash.

Why does that matter? 💭

$100,000 in cash earning 2% for 20 years
= $148,595 in a high-interest TFSA.

$100,000 invested earning 7% for 20 years
= $386,968 in a market based TFSA.

That’s a difference of $238,373 — completely tax-free.

Inside a TFSA you can hold:
• ETFs
• Stocks
• Mutual funds
• Bonds
• GICs
• Segregated funds

Yes, cash is allowed… 👌🏼 but using a TFSA like a bank account can mean missing out on the power of tax-free growth long-term.

Your TFSA investment holdings should match your risk tolerance, goals, and timeline. 📈 But for long-term goals, growth really does matter, and the TFSA is a tool you may want to consider as more than just a savings account.

Follow for TFSA Rule 3️⃣!

(Missed Rule #1? Go back one video.)