The TIER Wealth Blog

OUR LATEST News & Articles

TFSA Contribution Room in 2026: Why Yours May Not Be $109,000

Every January, the same headline makes the rounds: the cumulative TFSA contribution limit has grown again. For 2026, that number is $109,000. It gets repeated in articles, on social media, and around dinner tables — and it quietly misleads a lot of people.

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December 5, 2025

Two Smart Reasons to Over Contribute to an RRSP in December

December is one of the most valuable months for RRSP planning because several tax rules are calendar-year based, not date-based. This creates windows where a contribution made in December is dramatically more powerful than making the exact same contribution in January.

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October 29, 2025

Donating to a U.S. Charity as a Canadian: What You Need to Know

Since these organizations aren’t registered charities in Canada, and their receipts won’t carry a Canadian registration number, many assume that the answer to that question is no. the rules work a little differently. The answer is actually yes—but the rules are specific, and it’s important to understand when your donation will qualify. In this blog, we will break down how this works, and when you can claim a credit.

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October 22, 2025

Charitable Giving in 2025: Why Donating Securities May Be Smarter Than Donating Cash

Suppose you want to donate $10,000 to a charity. If you don’t have cash on hand, you might sell an appreciated investment in your account to raise the funds. The problem: selling triggers capital gains tax. For someone in Alberta in the top tax bracket, that could mean paying 24% tax on the gain (since only half of capital gains are taxable).

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Smart RRSP Timing in Your Final Year of Work: A Retirement Strategy That Saves Thousands

If all your savings are inside an RRSP and you still have contribution room, this income shift creates a window for a high-impact tax planning opportunity.

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The corporate executor – who, what, where, why, and how much?

When deciding who to appoint as your executor, you’ll likely want a detail-oriented person with a good blend of strong financial and emotional acumen. Maybe the choice is obvious – but maybe such a person just doesn’t exist in your life. Or maybe you need someone with a unique or specialized skillset. What then? Enter the corporate executor.

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Are you tax planning for you, or your estate?

While death and taxes may be certain, the variables in and around them are certainly not. That’s why they warrant attention and planning. The following analysis provides some food for thought when deciding whether to use proactive tax planning to optimize your living net-worth or your after-tax estate.

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The Value of a Tax Deduction

Last April, I posed the following question publicly on my social media accounts: "If you could buy $32,000 of RRSP contribution room, how much would you pay for it? Less than $4,000? Or more than $4,000?" Today we are going to explore that, in depth. Can you attach a monetary value to RRSP contribution room? It's a hard question to answer.

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Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including TIER Wealth. As a client of Q Wealth, you may receive services from both Q Wealth and TIER Wealth. Note that individuals from TIER Wealth will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. TIER Wealth may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered as a Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan and Yukon, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan, and a Commodity Trading Manager in Ontario. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.

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