Your future means a lot to us.

Aloni Goh Wealth Management Presents:

Life After Work Seminar with Tammy Vigue, Retirement Coach

The goal of this seminar was to provide clients and attendees with key information about the non-financial aspects of planning for retirement
as a complement to Aloni Goh Wealth Management’s discretionary investment portfolio services.

Tammy Vigue is a Retirement Coach and Speaker with a mission to expand the way we think about and plan for retirement.
With over twenty years of experience in the financial industry, Tammy has gained a unique perspective on retirement planning.
She believes that traditional approaches to retirement planning are incomplete and that creating a vision for a fulfilling life after work is just as important as financial security.

Retirement planning is more than just about the money.

To have a successful retirement, you will need to find ways to replace the benefits you get from your work, beyond the income.

You can visit Tammy at her website:

Click on the window below to play a recording of the seminar.


The comments and opinions expressed herein reflect the personal views of Aloni Goh Wealth Management.  They may differ from the opinions of Leede Jones Gable Inc. and should not be considered representative of the research beliefs, opinions, or recommendations of Leede Jones Gable Inc.

The information included in this document, including any opinion, is based on various sources believed to be reliable, but its accuracy and completeness is not guaranteed, and Leede Jones Gable Inc. does not assume any liability in providing it.

External links are provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by Leede Jones Gable Inc of any of the products, services or opinions of the corporation or organization or individual. Leede Jones Gable Inc. bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links.

The information provided is current as of the date appearing on the document and Leede Jones Gable Inc. does not assume any obligation to update the information or give a description of further developments relating to the securities or material discussed.  It is for information only, is subject to change at any time, and does not constitute an offer or solicitation to buy or sell any securities referred to.  The information presented here and any financial service being offered is directed only at persons who are residents of a Canadian province or territory where Leede Jones Gable Inc. is licensed.  Leede Jones Gable Inc. is not permitted to recommend buying, selling or holding securities of any issuer to which it is related, and in the course of a distribution, to which it is connected, unless it makes a complete statement of its relationship, if any.  Leede Jones Gable Inc. is not permitted to recommend buying of any secondary market securities of an issuer for whom it is actively engaged as an underwriter of a new issue.  Leede Jones Gable Inc., their affiliates, directors, officers, and employees may buy, sell, or hold a position in securities of a company mentioned herein, its affiliates or subsidiaries, and may also perform financial advisory services, investment banking or other services for, or have lending or other credit relationships with the same.  Directors, officers or employees of Leede Jones Gable Inc. may serve as directors of any company mentioned herein, its affiliates or subsidiaries.  © Leede Jones Gable Inc. 2023.  Member of CIPF and regulated by IIROC.


We are here to answer any questions you may have. We’ll focus on you – your plans, your goals, your hopes and your dreams.

What is an RRSP and how can I contribute?

Registered Retirement Savings Plan is an account that provides tax benefits. Withdrawals are taxed but contributions are deductible. There are four types of RRSPs: Individual, Spousal, Group and Pooled.

The year you turn 71 is the last year in which you can make a contribution to your RRSP.

You can contribute to an RRSP under which your spouse or common-law partner is the annuitant until the end of the year your spouse or common-law partner turns 71.

The amount you can contribute to your RRSP is based on your income last year less any pension adjustment up to a maximum of $30,780 for 2023 and $31,560 for 2024. Any unused contribution room accumulated after 1990 remains intact and can be carried forward. The deadline for contributions for the 2023 tax year is Thursday, February 29, 2024.

There are three ways to find your contribution room:

You will be required to provide your date of birth, social insurance number (SIN) and the total income of your previous year.

What is a TFSA and how can I contribute?

A Tax-Free Savings Account is an account that provides tax benefits. In most cases, withdrawals are not taxed but contributions are not deductible. Contribution room is accumulated starting at age 18. In certain provinces and territories, including B.C., the legal age (depends on the age of majority) at which an individual can enter into a contract (which includes opening a TFSA) is 19. In 2009 or later, in these jurisdictions, a person turning 18 years of age who would otherwise be eligible accumulates TFSA contribution room for that year and carries it over to the following year.

The TFSA contribution limit for 2024 is $7,000. Any unused contribution can be carried forward. An individual who was 18 years or older in 2009 and has never contributed to their TFSA can contribute a maximum of $95,000 as of 2024.

There are three ways to find your contribution room:

You will be required to provide your date of birth, social insurance number (SIN) and the total income of your previous year.

What is an RESP and how can I make contributions and/or withdrawals?

A Registered Education Savings Plan is an account that allows caregivers to save for their children’s post-secondary education. There are two types: Family RESP and Individual RESP. The RESP is composed of two parts:

  1. the Educational Assistance Payments (EAP), which includes the Canada Education Savings Grant (CESG) and the earnings and growth in the account
  2. the Post-Secondary Education Payments (PSE), which are contributions made by the subscriber

The CESG is provided by the government of Canada and contributes 20% of the first $2,500 in annual contributions to the RESP up to a lifetime maximum of $7,200 until the end of the calendar year the beneficiary turns 17. To receive payments from the RESP, the beneficiary must be enrolled in a qualified post-secondary program.

There is an $8,000 limit ($4,000 for part-time studies) on EAP payments for the first 13 consecutive weeks in such a program. After the student has completed the 13 consecutive weeks, there is no limit on the amount of EAPs that can be paid if the student continues to qualify to receive them.

If there is a 12-month period in which the student is not enrolled in a qualifying education program for 13 consecutive weeks, the $8,000 ($4,000 for part-time studies) the maximum applies again. The EAP is taxable in the student’s hands.

There is no limit on PSE payments and it is not taxable.

CPP: How do I get my Statement of Contributions from the Canada Pension Plan?

The Statement of Contributions is a record of your pensionable earnings and contributions. It can provide an estimate of what your benefit/pension would be if you and/or your family were eligible to receive it now.

Your pensionable earnings is the sum of money added to the CPP during your employment years and from which payments are drawn to support your retirement in the form of periodic payments.


Visit My Service Canada website and log in either using your GCKey, your bank or your province. Click here to visit the website.


Call 1-800-277-9914 (toll free) and press 0 to connect with an agent. Be prepared to be put on hold. Ask the agent for your Personal Access Code (SIN required) and your Statement of Contributions. The agent will mail them and you should receive it within 5 to 10 business days.


Contributor Client Services
Canada Pension Plan
Service Canada
PO Box 818 Station Main
Winnipeg, MB R3C 2N4

How can I check my accounts with Aloni Goh Wealth Management?

Clients can access their accounts and download documents, including reports, statements, tax documents and trade confirmations through our online system.

Click here to set up your account and log in. 

How can I contact Aloni Goh Wealth Management?

Leede Jones Gable Inc.
1800–1140 W. Pender St.
Vancouver, B.C.
Canada, V6E 4G1

Ron Aloni

Jason Chen

Alan Goh

Financial Calculators

Budget Planner

Organize your monthly cash flow to find additional dollars you can use to achieve your financial planning and retirement goals. Designed to compare your “Current” expenditures to “Proposed” expenditures, simple adjustments can be made until you have the desired outcome.

Budget Planner Calculator

Life Insurance Needs

The Life Insurance Needs Calculator lets you estimate the amount of life insurance coverage you and your spouse / partner require.

Life Insurance Needs Calculator

Income Tax

The Income Tax Calculator estimates the amount of tax you will be required to pay on the various sources of income earned.

Income Tax Calculator

Terminal Tax

The Terminal Tax Calculator estimates the amount of taxes your estate will be required to pay in the year of your death (assuming no surviving spouse / partner).

Terminal Tax Calculator


Calculate the impact various payment assumptions will have on the number of years until your mortgage is paid.

Mortgage Calculator

Investment Leverage

The Investment Leverage Calculator lets you compare an interest-only investment loan to making regular monthly savings.

Investment Leverage Calculator


The RRSP Calculator estimates the future value of your RRSP investment given various assumptions. You can use the RRSP calculator to see the impact various savings and return assumptions may have on your investment.

RRSP Calculator


The RRIF Calculator estimates the future withdrawals you will need to make from your RRIF based upon the prescribed minimums.

RRIF Calculator


The RRSP Loan Calculator lets you compare borrowing to invest a lump-sum in your RRSP today vs. making regular monthly contributions to your RRSP.

RRSP Loan Calculator

RRSP vs. Mortgage

The RRSP vs. Mortgage Calculator lets you compare investing a lump-sum in your RRSP today vs. paying down your mortgage and investing future mortgage savings in your RRSP.

RRSP vs. Mortgage Calculator

RRSP vs. non-RRSP

The RRSP vs. Non-RRSP Calculator lets you compare investing in your RRSP to investing the after-tax equivalent in an investment vehicle where the interest is taxable when earned.

RRSP vs. non-RRSP Calculator


The TFSA vs. RRSP Calculator lets you compare investing in the 2 most popular tax-assisted investments available to Canadians.

TFSA vs. RRSP Calculator

Suite 1800, 1140 West Pender Street
Vancouver, BC. V6E 4G1

Ron Aloni
Phone: 604-658-3056

Alan Goh
Phone: 604-658-3066

Jason Chen
Phone: 604-658-3043

Copyright © Aloni Goh Wealth Management. All rights reserved.