David Kim

David Kim is a CFA charterholder who has spent 16 years at the intersection of investment management and Canadian tax planning. He started his career at a major Canadian bank's private wealth division before joining Pacific Wealth Advisory, a boutique firm serving high-net-worth clients across British Columbia. David's particular expertise lies in the after-tax management of investment portfolios — understanding not just which assets to hold, but where to hold them to minimize lifetime tax. He is a recognized authority on the TFSA, covering contribution room tracking, the attribution rules that apply to spousal TFSAs, the treatment of foreign withholding tax inside a TFSA, and the special rules that apply when an account holder dies or leaves Canada. David also writes extensively on RRSP strategies: meltdown strategies, spousal RRSPs, RRSP to RRIF conversion timing, and the interaction between RRSP contributions and OAS clawback. His work on the FHSA — one of Canada's newest registered accounts — has helped thousands of first-time homebuyers understand the rules that govern this powerful savings vehicle. David holds an Honours Bachelor of Commerce from the University of British Columbia and has been a CFA charterholder since 2010. He is a member of the CFA Society Vancouver and a regular contributor to investment industry publications.