It’s the end of the year and time to trigger investment losses if you have any. A capital loss can be a very thing for tax. The losses can be deducted from past gains in the preceding 3 tax years or indefinitely in the future. This is as good as cash.
Don’t be afraid of triggering those losses to benefit from a potential refund or future tax saving. Buy something similar for at least one month and buy back the same investment if you feel you should hold it for the long-term. Selling the investment for at least one month is essential to avoid the “superficial loss rule”.
If any doubt, just ask. We can help but if you are a YOU FIRST client and needed to take advantage of tax loss selling this year, we certainly have already contacted you!