03/09/2026
Here's what you need to know when you withdraw from your TFSA.
TFSA withdrawal rules: Everything you need to know scotiabank.com
Ray Perez
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My approach is holistic—I look beyond the numbers to understand your goals, values, and what truly matters to you. Let’s build something lasting together.
I am Ray Perez, financial planner, supporting the Calgary community with financial planning services
Scotia Global Wealth | Scotiabank | Scotia Securities Inc. As a Financial Planner serving the Winnipeg market, I specialize in helping mass affluent individuals and families navigate their financial lives with clarity, confidence, and purpose. Whether you're planning for retirement, growing your i
03/09/2026
03/06/2026
Understanding RRSP withdrawal rules is crucial to maximizing the tax reducing and retirement savings benefits. Read on to discover how to make these rules work for you.
Your guide to RRSP withdrawals: Understanding withholding tax rates, withdrawal timing and contribution room impact scotiabank.com
03/05/2026
A great financial plan starts with a great partnership. Here's how you can make the most of working with a financial planner and stay on track with your goals.
Making the most of your financial advisor relationship scotiabank.com
Congratulations to all the residents celebrating Match Day!
Your hard work, long hours, and unwavering commitment to your future patients have brought you to this incredible milestone.
Today marks the start of an exciting new chapter—one built on resilience, passion, and more than a few cups of coffee along the way.
Wishing each of you success, growth, and moments of joy as you step into the next stage of your medical journey. The future of healthcare is in very good hands.
03/02/2026
Getting started with retirement planning doesn't have to feel overwhelming.
Whether you're early in your career or getting closer to retirement, having a solid plan can help you feel more confident about your financial future.
Retirement planning 101 scotiabank.com
03/02/2026
Deadline day! Today is your last chance to contribute to your RRSP for the 2025 tax year. Every bit helps your future—did you get yours in?
02/27/2026
Thinking about buying your first home? The new Tax‑Free First Home Savings Account (FHSA) can help you get there faster. Learn how this new savings tool can bring your first home closer than you think.
How you could use the Tax-Free First Home Savings Account (FHSA) scotiabank.com
02/24/2026
Keep your RRSP on track by avoiding these seven common mistakes. From withdrawing funds prematurely, to contributing too much - learn how to make the most of your RRSP.
Seven common RRSP mistakes and how to avoid them scotiabank.com
02/20/2026
The 2025 RRSP contribution deadline is March 2, 2026. Contributions made within the first 60 days of 2025 can be deducted on your 2025 or your 2026 tax return. Here's everything you need to know about RRSP contribution limits and deductions for the 2025 tax year.
What you need to know about RRSP contributions for this tax season scotiabank.com
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