Shiela Cabucol

Shiela Cabucol I’m a nurse turned advisor, and just like in healthcare, I believe advice should never feel confusing, overwhelming, or one-size-fits-all.

Top Insurance and Investment Broker 🇨🇦🏆
Mentor to other advisors | Former RN
Canada-wide Pinay Licensed Consultant 👩🏻‍💻
⬇️Free Insurance and Investment Review
www.shielacabucol.com 🇮🇹 That’s why I make finances simple, clear, and personal so every Filipino family can feel confident making smart choices with their money. My mission is to help you take control of your finances, understand every d

ecision you make, and build real wealth, not just for today, but for the next generation. With honest guidance and a holistic plan, I’m here to help you feel secure, confident, and ready to thrive in Canada.

09/02/2026

If you used your RRSP to buy your first home through the Home Buyers’ Plan, you’ll eventually have to start paying it back.

But what happens if you don't?
You won't get a bill from CRA, and there's no penalty for not making the repayment.

BUT… the amount you were supposed to repay gets added to your taxable income for that year.

So yes, you can skip the repayment but you may end up paying more tax instead.

And remember, every year you don't put that money back into your RRSP is another year that money isn't growing for your retirement.

So technically, you don't have to repay it. But skipping it can still cost you.

09/02/2026

When can I withdraw my RRSP and pay the least amount of tax?

Most people assume the answer is simply “When I retire.”

And yes, retirement can be a good time to withdraw from your RRSP. But I want you to know that just because you're retired doesn't automatically mean you're paying the least amount of tax.

Every dollar you withdraw from your RRSP gets added to your taxable income for that year.

So imagine spending years building your RRSP, then withdrawing a large amount all at once only to realize that you pushed yourself into a higher tax bracket and gave away more in taxes than you needed to.

That's why when you take money out matters just as much as how much you have.

Generally, you want to look at your lower-income years.

Maybe you took time off work.
Maybe you retired and your employment income dropped.
Maybe you simply had a lower-income year.
Or maybe, instead of taking out one huge amount, you spread your withdrawals over several years.

Don't just focus on building the biggest RRSP possible. Start thinking about how you're going to take the money out too.

Because retirement planning isn't just about accumulating money. It's about making sure you get to keep as much of it as possible.

Need advice with your RRSP? Book a call here ⬇️⬇️

https://info.shielacabucol.com/

08/28/2026

May nagsabi sayong icancel mo na yang Critical Illness insurance mo? Panoorin mo muna itong video natin ito. ⬇️⬇️

08/26/2026

Grateful to be doing something I genuinely enjoy, to keep learning and growing, and to have the opportunity to help people along the way.

And yes, I’m grateful for the little perks that come with it too.

Thank you Beneva and AGF 💜

Fake Accounts Alert ⚠️‼️🚨 Please help me report these accounts.✅Please always look for the Meta Verified (blue check) sy...
08/22/2026

Fake Accounts Alert ⚠️‼️🚨 Please help me report these accounts.

✅Please always look for the Meta Verified (blue check) symbol to make sure you’re engaging with my official account.

Thank you!

08/22/2026

Investing in yourself (your skills, mindset and growth) will pay dividends no market can guarantee.

08/21/2026

They may all be part of your financial plan, but they serve completely different purposes.

Savings protect your short-term needs.
Investments grow your money.
Insurance protects your financial plan when life doesn’t go as planned.

The goal isn’t to choose one over the other.

It’s knowing when and why you need each one.
Don’t mix them up too early.

Understand the job before choosing the tool.

Book a free 1:1 consultation for your Insurance/Investment review ⬇️⬇️

https://info.shielacabucol.com/

08/20/2026

When work doesn’t feel like work, you naturally want to do more of it.

Address

Surrey, BC

Website

Alerts

Be the first to know and let us send you an email when Shiela Cabucol posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Shiela Cabucol:

Shortcuts

Share