There is always the tax saving angle and the retirement planning angle. Make sure to consider both. Too many just look at whether they are getting a refund or not and will make just enough RRSP to cancel the tax owing if any. Look at how much you need to save to be on track with your plan first, make sure your total contributions were at least that amount this year and then decide if you should make more. That is the proper planning process. Email, call or come in for a meeting. We are there to help you do what is best for you given your individual circumstances this year.
If you are always scrambling to make an RRSP contribution, set up an easy monthly pre-authorized contribution now for 2013, enjoy the tax refund next April and a comfortable worry free retirement!!