Colton Cyr, CFP®, CIM®

Protect. Grow. Prosper.💰
CFP® 💼 | CIM®🏆
Rockmoor Wealth Management

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

Many retirees regret not saving enough or starting sooner, since both can shape their financial security and happiness later. https://t.co/AF4uPFnt5g

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

Tax loss harvesting can save you money, but watch out for the superficial loss rules! The 30-day window is crucial to make your capital loss count.
#CashCanuck #PersonalFinance #FinanceTips #TaxPlanning

🔗 Book a meeting or get my e-books: https://t.co/uA8wBPhiTs

⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

First-time investors: start with TFSA for flexibility, then move to RRSP later. The contribution room protection alone makes this strategy worth it.
#CashCanuck #TFSA #RRSP #CanadianFinance

🔗 Book a meeting or get my e-books: https://t.co/8nV9QmJsnH

⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

RRSPs are Canada's retirement account - contributions reduce taxes, growth is tax-free, and you have withdrawal flexibility for major life events.
#CashCanuck #PersonalFinance #RRSP #CanadianFinance

🔗 Book a meeting or get my e-books: https://t.co/pwE5BCYd8S

⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

The TFSA is Canada's most flexible registered account - tax-free growth and withdrawals with no income tax implications. Essential for wealth building.
#CashCanuck #TFSA #WealthBuilding #CanadianFinance

🔗 Book a meeting or get my e-books: https://t.co/ItcaSTRyLi
⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

The 5 pillars of retirement planning work together to replace uncertainty with confidence. Proper planning makes retirement exciting, not stressful.
#CashCanuck #RetirementPlanning #WealthManagement #FinancialStrategy

🔗 Book a meeting or get my e-books: https://t.co/eML3dNVLwx
⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

Estate planning gives YOU control over your assets and wishes, not the CRA or courts. Start with the basics: wills, POAs, and health directives.
#CashCanuck #EstatePlanning #WealthManagement #TaxPlanning

🔗 Book a meeting or get my e-books: https://t.co/322LNYEKgs
⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

5 Retirement Mistakes Pt. 5 - Mistake #4 - Not Minimizing Tax in Retirement. Clients goals dictate how we strategically withdraw from your accounts to minimize taxes. #FinancialPlanning #Retirement  #CPP

🔗 Book a meeting or get my e-books: https://t.co/XF08oCMHR1

#FinancialPlanning #MoneyTalks #WealthBuilding #BusinessOwner #Entrepreneur

⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

Longevity risk is the retirement challenge no one talks about. Living longer exposes you to inflation, healthcare costs, and program changes.
#CashCanuck #WealthManagement #FinancialPlanning #CanadianFinance

🔗 Book a meeting or get my e-books: https://t.co/TFzYxhHnhV
⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

Your retirement fuel gauge: 5 key metrics to track so your money lasts as long as you do. Don't let small issues become big financial problems!
#CashCanuck #RetirementPlanning #WealthManagement #FinancialPlanning

🔗 Book a meeting or get my e-books: https://t.co/B7IBpJcDSS
⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

5 Retirement Mistakes Pt 2-Mistake #1-Not Having a Proper Financial Plan

Having no Financial Plan is a mistake. This roadmap syncs your investments, insurance, taxes, and estate for total peace of mind.

🔗 Book a meeting or get my e-books: https://t.co/95AmLP5DiC

#FinancialPlanning #MoneyTalks #WealthBuilding

⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

Energy generated from the sun, wind and other renewable sources naturally varies – when the supply dips, there’s less electricity available to power and heat our homes. Being able to store it is therefore key, so what are the option https://t.co/OZEAsQ5sVr

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

5 Retirement Mistakes Pt 1-Intro

5 most common mistakes:
#1: No comprehensive FINANCIAL PLAN
#2: Not monitoring your key RETIREMENT METRICS
#3: Not managing RISK
#4: Not minimizing TAX
#5: Not planning your ESTATE

🔗 Book a meeting or get my e-books: https://t.co/rvtMwyLxmC

#FinancialPlanning #Retirement #WealthBuilding 

⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

Capital gains are only taxed when you sell the asset - 50% gets added to your taxable income. Holding winners? No tax until you sell!
#CashCanuck #TaxPlanning #CanadianFinance #WealthManagement

🔗 Book a meeting or get my e-books: https://t.co/1buHr1HJKu⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

Salary vs dividends isn't either/or - the optimal strategy usually involves a strategic mix of both for maximum financial flexibility.
#CashCanuck #BusinessOwner #TaxPlanning #RRSP

🔗 Book a meeting or get my e-books: https://t.co/UO0dW4d0DU⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

Business owners: You may want to look a combination of salary and dividends.
#CashCanuck #BusinessOwner #TaxPlanning #FinancialStrategy

🔗 Book a meeting or get my e-books: https://t.co/c1WaGY193i⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

Business Owner Series Intro - we scaled Rockmoor to a national firm, navigating the same hurdles you face. This series shares how we bridge business success and personal wealth—from trusts and tax efficiency to succession planning. 

#BusinessOwner #Entrepreneur

🔗 Book a meeting or get my e-books: https://t.co/Ekyjlcdmbb

⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

Don't miss these 3 tax breaks for Canadian families: Canada Child Benefit, childcare deductions, and the powerful Disability Tax Credit with RDSP access.
#CashCanuck #TaxPlanning #CanadianFinance #FinanceTips

🔗 Book a meeting or get my e-books: https://t.co/h6BwUi4NlI⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

A reader asks: "What is tax-loss harvesting, and how can I legally use investment losses in my nonregistered accounts to reduce my tax bill?" https://t.co/GJd7FSHpub

[Colton Cyr, CFP®, CIM® @Colton_Cyr]

There are actually TWO tax calculations happening when you file - regular tax AND Alternative Minimum Tax. AMT ensures you pay minimum tax even with lots of deductions.
#CashCanuck #TaxPlanning #FinancialStrategy #CanadianFinance

🔗 Book a meeting or get my e-books: https://t.co/GdjQAqLIKb
⚠️ Info only; not financial/tax/legal advice or a solicitation. Views are mine. Consult your own professional advisors for your situation.