Aviso wealth

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently, and past performance may not be repeated.

Portfolio Manager

Island Savings Wealth Management

Island Savings Wealth Management is a division of FW Wealth Management Ltd. which is a wholly owned subsidiary of First West Credit Union. FW Wealth Management Ltd. is a licensed life insurance agency offering financial planning, life insurance and investments.

Senior Wealth Advisor

Edward Jones

Investment Advisor

📈 Growing up in Kamloops, I would watch BNN at the kitchen table.  While at University for Engineering, I started reading “One Up On Wall Street” by Peter Lynch and “Buffett, The Making Of An American Capitalist,” and knew that I was destined to work in the finance field. 

👨‍🎓 20 years ago, I graduated with my Engineering degree and entered the investment world to help clients make better financial decisions and live with fewer regrets. 

📕 With a love of reading and a book always in my face, I have embraced learning and honing my skills to bring the most current and impactful information to small business owners.  Not surprisingly, I have found a niche with Engineers as we all have been through the iron ring ceremony.  

❤️ I have been blessed with a beautiful and supportive wife, Alea, and two energetic kids, Denver and Journey.  Every day is an adventure, and we embrace the wild and crazy moments of raising elementary-aged children.

⚽️ Over the years, I have been fortunate to have great leaders who helped shape who I am. With a duty to pay it forward, you can find me coaching my daughter’s soccer team, leading my son's Cub Scout group, or signing up for whatever other extracurricular activities they are involved with. 

🤝 Our team works with a select group of investors to deliver a high-touch, personal and detailed generational wealth planning experience.  We have long-term and close relationships with our clients to help them navigate the financial world.

🏠 Spousal RRSP and First Home Savings Account (FHSA) home buying planning.

👨 Shawn (30) - income of $250k
👩 Sally (25) - income of $42k
🏡 Goal to buy a house next year
💰 Non-registered savings of $200k
👌 Shawn has RRSP room of $120k
🗺️ The plan:
FHSA contributions of
👉 $8k in 2025 for both spouses
👉 $8k in 2026 for both spouses
RRSP contributions of
👉$30k in 2025 & 2026 for Shawn
Spousal RRSP contributions of
👉 $30k in 2025 & 2026 for Sally (Shawn gets tax break)
📅 In 2026, 90 days after making the RRSP contribution, they buy a home
🤩 $32k of FHSA money comes out tax-free
👍 $120k of RRSP money is withdrawn through the Home Buyers Plan.
💰 $48k of non-registered savings is used
💥 2025 tax refund is received of $33.5k (similar to 2026 refund)
🤯 Sally doesn’t repay her $ 4k-per-year homebuyer amount, and it's added to her income.  She is in a low-income bracket.

#buyingahome #homebuyingplanning

Travis Koivula, CFA, CFP, CIM, FCSI, CSWP

Empowering executives and small businesses owners to achieve their financial dreams

🧐“I would like to help out my grandkids financially. What is the best way to do this?”

❤️ Clients have told me they love their kids, but they really love their grandkids.  Here are some ways to financially help them out.

👧 If the grandkids are under 17, you can contribute to an RESP for them.  Even if their parents have one and are maxing out the grants (20% per year on $2.5k of contributions), you can add up to an additional $14k to the plan.  The growth (no tax on principal) on those funds is taxed when they withdraw them for university (low/no tax paid).

🏠 If the grandkids are adults, you can give them money to contribute to a First Home Savings Account (FHSA).  Up to $8k a year, to a maximum of $4k, can go into the account. Contributions reduce income (like an RRSP contribution), and when they buy a house, the money comes out tax-free.

📝 Speak to an estate planning lawyer about leaving money to them in your will.  A minor cannot receive funds, so a testamentary trust could be set up to distribute the funds when they turn 18 or at whatever age you decide.

#Estateplanning #grandkids #nextgeneration #leavingmoneytograndkids

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