As we transition to February in the coming week you will begin to hear more about RRSP contributions from the big financial institutions. When most people hear about RRSP, all they think about is retirement. RRSP, when used strategically, can be used for other purposes other than just retirement. I share more about this in this issue along with other useful insights. As always, I’m here to help and for a limited time, you can still take advantage of a FREE Tax Strategy call with me here. Enjoy this issue and please remember to share this with everyone in your network:

1. Why You Should Have An RRSP Account

RRSP stands for “Registered Retirement Savings Plan” and it is a vehicle that allows you to defer taxes on your income. While it is the most widely used tax shelter in Canada, many still associate it with retirement even though it can be used for a variety of purposes, such as financing your first home or training or post-secondary education, or simply as a tool for tax deferral. When used correctly with customized planning, it is a great tool for tax-efficient wealth accumulation. For this reason, everyone should own one. If you’re considering whether RRSP is the right tool for you, I suggest you consult with a professional who can help you plan around your RRSP. Don’t just contribute to an RRSP account because everyone is doing so. Contribute because it fits well with your personal financial plan. I believe that no matter your income level, there is room in everyone’s plan to include RRSP as a tax saving strategy. If you need help determining whether using RRSP is a great planning strategy for you, I suggest you book a FREE consultation with me so I can help you

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2. The Tax-Efficient Path To Creating Wealth

I strongly believe that you don’t need a 6-figure salary to create financial freedom. And for this reason, I believe financial freedom is attainable for most people. However, only few achieve it. Why? It’s because most people lack a fundamental knowledge and a proven path to follow. This is why I wrote the book, Tax-Efficient Wealth, to provide you with an easy-to-implement blueprint that will enable you to build and grow your wealth in a tax-efficient manner. After reading this book:

• You will have a solid knowledge of the key wealth drivers to build wealth and uncover the money mindset required to win the money game.
• You will have a blueprint and a step-by-step plan to start your journey on building and growing your wealth tax-efficiently.
• You will save taxes, have more money, and have the confidence to shatter all your money worries for life.

You can grab a FREE copy of the book here and in this short video, I share what the tax-efficient path to wealth is.

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3. Why You Should Focus On Your “GAP”

Most people obsess over one number: their income.

But the number that quietly decides your financial future is your GAP:

[EARNED INCOME] – [EXPENSES] – [TAXES] = “GAP”

A few years ago, I pulled 10 years of my tax returns and asked myself three questions:

1. Of all the income that flowed through my life, how much did I actually keep?
2. How did I manage what I kept—did it grow or just disappear?
3. What do I have to show for it today in terms of assets, freedom, and impact?

The answers were uncomfortable. Not a disaster—but definitely mediocre. That exercise forced me to stop fixating on income and start obsessing over my GAP.

When your GAP is small or negative, you:

• Feel like you’re always working but never getting ahead
• Rely on debt to fund your lifestyle
• Pay more tax than you need to, simply because there’s no plan

When your GAP is growing, you:

• Build margin and resilience into your life
• Have cash to invest in real assets (businesses, real estate, skills)
• Buy back your time and create impact on your own terms

If you haven’t done it yet, pull your last 5–10 years of returns and run the numbers. It may be the most honest financial conversation you’ve had with yourself in years.

I wrote a new article breaking down the GAP equation and sharing practical ways to grow it—without chasing shiny “get rich quick” plays.

👉 Read it here: https://kengreen.ca/gap/​

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4. Let Me Help You Get Ahead In 2026

If you’re looking to accelerate your results in 2026, particularly with optimizing taxes, building more cash flow, improving your business or simply elevating your personal financial situation, I encourage you to consider working with me. As I’ve shared in the past, it’s so tempting to think we know it all. We want to figure things out ourselves. We want to go on the journey solo, not realizing that we can only go so far. Whether it is our pride or ignorance, we hurt ourselves when we don’t seek help from those that have accomplished what we want to accomplish. If you’re looking to achieve a major breakthrough or to simply go further faster, I invite you to consider coaching or consultation with me. A good start is to book a FREE 15-minute Tax Strategy Session with me here to get a taste of the potential results you can get from coaching.

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5. How To STOP Self-Sabotaging

Did you know that how you spend the last few hours of your day will determine how successful you’re going to be in your life? It turns out that the last half of your day is more important than the first half of your day. Dr. Benjamin Hardy goes into details on this and provides some suggestions on how to stop the self-sabotaging that is jeopardizing your success in life. Watch it here.