Newcomer Financial Starter Checklist
First-year essentials: TFSA, RRSP and FHSA basics, what to do with Hong Kong policies, and the first protection steps for your family in BC.
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Resources
Learn at your own pace
Videos, downloadable checklists and plain-language articles — all general education, so you can make decisions with confidence.
YouTube Videos
Watch & learn
We publish new videos regularly on insurance and registered-account topics — plain-language explainers you can watch anytime.
Latest video — from the Wealth First YouTube channel.
Featured video — a popular topic you should not miss.
Instagram
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Between the longer videos, Hayman posts short updates and reminders on insurance, registered accounts and key dates.
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Hayman Tam — Chief Financial Advisor, MDRT COT. Short, plain-language updates on insurance, registered accounts and retirement planning.
Free Checklists
Practical checklists to get started
Family Protection Review Checklist
Review your workplace group coverage, spot protection gaps for your mortgage and income, and check that beneficiaries are up to date.
Download PDFPre-Retirement Withdrawal Checklist
Key questions before retirement: RRSP to RRIF timing, withdrawal order across accounts, and how CPP and OAS fit together.
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Articles
Plain-language explainers
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Registered Accounts
New to Canada? How your TFSA room actually starts
Your TFSA room begins in your first year of Canadian tax residency. We explain how room accumulates, why CRA figures can lag, and how to avoid the 1%-per-month over-contribution tax.
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Insurance Basics
Workplace group insurance: is it enough on its own?
Group life coverage is often one to two times salary — and it usually ends when you leave the job. Here is a simple way to check the gap against your mortgage and family expenses.
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Retirement
RRSP is large — is that a problem? Withdrawal order, explained
The order you draw from RRSP/RRIF, TFSA and non-registered accounts affects your taxes and benefits. An introduction to the key ideas, including the age-71 RRIF conversion.
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