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CFS

Proven financial strategies and a common sense approach to build, protect and transfer your wealth.

Whether planning for your long and fruitful retirement, unlocking funds in times of hardship, or insuring your life and health, CFS Wealth Management Inc. offers a wide assortment of financial tools and a strong base of committed, well educated, experienced and motivated financial specialists.

12/11/2025

💡 RRSP or TFSA — which should you prioritize?

Both are powerful tools, but the right choice depends on your goals, income, and timeline.

✅ Use RRSPs for long-term retirement savings
✅ Use TFSAs for flexible, tax-free growth
✅ Combine both for maximum benefit
✅ Review contributions annually

📞 Contact us today for more information — we’re here to help you build lasting financial confidence.
Call 1.888.451.6133 or email info@cfswealth.ca.

👉 Visit Invest today and insure for tomorrow - http://www.cfswealth.ca/

10/11/2025

📈 Inflation doesn’t have to erode your wealth — strategy is your best defense.

With careful planning, you can protect your purchasing power and keep your goals on track.

✅ Review your investment mix
✅ Focus on inflation-resistant assets
✅ Adjust your budget for rising costs
✅ Stay proactive with your advisor

📞 Contact us today for more information — we’re here to help you build lasting financial confidence.
Call 1.888.451.6133 or email info@cfswealth.ca.

👉 Visit Invest today and insure for tomorrow - http://www.cfswealth.ca/

07/11/2025

🏖️ Will your retirement look the way you imagine? Start shaping it today.

Your retirement dreams deserve a solid plan. The earlier you start, the more flexibility and security you’ll have in the future.

✅ Calculate your retirement income needs
✅ Maximize RRSP and TFSA contributions
✅ Diversify your investments
✅ Review your pension options

📞 Contact us today for more information — we’re here to help you build lasting financial confidence.
Call 1.888.451.6133 or email info@cfswealth.ca

👉 Visit Invest today and insure for tomorrow - http://www.cfswealth.ca/

05/11/2025

Your financial plan is your roadmap to success — without it, you’re guessing your way forward.

At CFS Wealth, we help clients create structured, flexible plans that adapt to life’s changes while staying aligned with long-term goals.

✅ Define clear objectives
✅ Manage risks effectively
✅ Stay disciplined through market changes
✅ Enjoy peace of mind knowing you have a plan

📞 Contact us today for more information — we’re here to help you build lasting financial confidence.
Call 1.888.451.6133 or email info@cfswealth.ca.

👉 Visit Invest today and insure for tomorrow - http://www.cfswealth.ca/

03/11/2025

New month, new opportunities to strengthen your finances!

A fresh month is the perfect time to review your goals and ensure your financial plan is on track. Small adjustments today can create major results tomorrow.

✅ Review your monthly spending habits
✅ Check progress on savings goals
✅ Update your investment contributions
✅ Plan for year-end tax strategies

📞 Contact us today for more information — we’re here to help you build lasting financial confidence.
Call 1.888.451.6133 or email info@cfswealth.ca.

👉 Visit Invest today and insure for tomorrow - http://www.cfswealth.ca/

31/10/2025

👻 Don’t get spooked by debt this fall — it doesn’t have to haunt your financial future.

With the right plan, you can take control and feel confident about where your money is going.

Here’s how to start:
✅ Review your current debts and interest rates
✅ Create a realistic repayment plan
✅ Consolidate if it helps reduce costs
✅ Stay consistent and track your progress

Debt doesn’t have to be scary — we’re here to help you find clarity and peace of mind.

📞 Contact us today for more information — we’re here to help you build lasting financial confidence.

Call 1.888.451.6133 or email info@cfswealth.ca.
👉 Visit us at http://www.cfswealth.ca/

30/10/2025

💬 Breaking the Silence Around Debt

Message From Our Director, Mark Sager

Debt can be lonely. Debt can be embarrassing. Debt can be hopeless. Debt can be defeating.

Thankfully, Debt can be overcome.

I started my career as a Mortgage Agent specializing in hard-to-place financing.

I spent countless hours working with my clients arranging for private financing during the hardest time of their lives after their banks had told them NO, we will not help you.

I soon added my Investment & Insurance licence to my repertoire so I can help clients create budgets and advise on their former employer pension plans and locked-in accounts.

I have spent well over a decade advocating for my clients, helping them deal and find their way back from debt.

Plain and simple.

Sincerely,
Mark Sager

📞 If debt feels overwhelming, know that you don’t have to face it alone. Let’s find a way forward together.

Call 1.888.451.6133 or email info@cfswealth.ca.
👉 Visit us at http://www.cfswealth.ca/

27/10/2025

📈 Invest Today, Insure for Tomorrow

A strong financial plan balances both growth and protection. While investments help your wealth grow, insurance ensures your loved ones are safeguarded no matter what the future brings.

Here’s how the two work hand in hand:

✅ Invest Today – Build long-term wealth through smart, diversified strategies.
✅ Insure for Tomorrow – Protect your family, income, and legacy with the right coverage.
✅ Peace of Mind – Knowing you’re covered allows your investments to work without worry.

💡 True financial confidence comes from growing your wealth while protecting what matters most.

📞 Contact us today for more information — we’re here to help you build lasting financial confidence.

Call 1.888.451.6133 or email info@cfswealth.ca.
👉 Visit us at www.cfsweath.ca today and insure for tomorrow.

24/10/2025

💳 Want to repair your credit and boost your financial health? Here’s how to start TODAY!

Repairing your credit doesn’t have to be complicated. Here are some actionable steps:

1️⃣ Borrow fully secured money – Car loans, mortgages, or investment loans can help. Timely repayments improve your credit record.
2️⃣ Get a secured credit card – Deposit some money as security and use the card responsibly to build credit.
3️⃣ Start an RRSP – Regular contributions show banks you’re investing in your future, improving your creditworthiness.
4️⃣ Borrow strategically – Small loans, even if not needed immediately, and paying them back on time can boost your credit report over time.

💡 Tip: Consistency matters more than amount—small, regular payments make a big impact!

📲 Want a step-by-step guide to rebuilding your credit? DM us or www.cfsweath.ca

20/10/2025

✨ 3 Steps to Financial Peace of Mind

True financial confidence isn’t about chasing wealth — it’s about knowing your future is secure and your family is protected. Here’s how to build that peace of mind:

✅ Step 1: Plan Ahead – Set clear financial goals and create a roadmap to achieve them.
✅ Step 2: Protect What Matters – Use insurance, emergency funds, and estate planning to safeguard your future.
✅ Step 3: Grow Your Wealth – Invest strategically to build long-term security and opportunities.

💡 Small steps today lead to lasting financial confidence tomorrow.

📞 Ready to create your own path to financial peace of mind? Let’s build a plan together.
Call 1.888.451.6133 or email info@cfswealth.ca.

👉 Visit us at www.cfsweath.ca today and insure for tomorrow.

17/10/2025

🌅 Dreaming About a Comfortable Retirement?

Retirement isn’t just about stopping work — it’s about having the freedom to live life on your terms. The earlier you plan, the more confident you’ll feel about the years ahead.

Here are 3 key steps to get started:

✅ Build a Retirement Roadmap – Estimate your income needs and set realistic goals.
✅ Maximize Your Accounts – Use RRSPs, TFSAs, and pensions strategically.
✅ Protect Your Future – Incorporate insurance and estate planning for peace of mind.

💡 A comfortable retirement starts with smart planning today.

📞 Ready to turn your retirement dreams into a real plan?

Call 1.888.451.6133 or email info@cfswealth.ca.
👉 Visit us at www.cfsweath.ca today and insure for tomorrow.

13/10/2025

📊 TFSA vs. RRSP vs. Locked-In Accounts — What’s the Difference?

Choosing the right account can have a big impact on your savings and retirement strategy. Here’s a simple breakdown to guide your decisions:

✅ TFSA (Tax-Free Savings Account)

Grow investments tax-free

Withdraw anytime without penalty

Great for short- or long-term goals

✅ RRSP (Registered Retirement Savings Plan)

Contributions are tax-deductible

Taxes are deferred until withdrawal

Designed to save for retirement

✅ Locked-In Accounts (LIRA/LIF)

Funds come from a pension plan

Withdrawals are restricted until retirement

Provides income security for the long term

💡 Each account has unique benefits — the right choice depends on your goals, income, and retirement plans.

📞 Contact us today for more information — we’re here to help you build lasting financial confidence.

Call 1.888.451.6133 or email info@cfswealth.ca.
👉 Visit us at www.cfsweath.ca today and insure for tomorrow.

Address

Opening Hours

Monday	09:00 - 17:00
Tuesday	09:00 - 17:00
Wednesday	09:00 - 17:00
Thursday	09:00 - 17:00
Friday	09:00 - 17:00

Telephone

+18884516133

Website

http://cfswealth.ca/

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