- Following 1.1K
- Followers 29.4K
- Engagement 0.27%
- Avg likes 39
- Avg comments 2
About Elijah Kirchmaier
Elijah Kirchmaier (@elithemoneyguy) is a Finance creator on Instagram. The account has 29,408 followers and 400 published posts. Recent posts average 39 likes and 2 comments, an engagement rate of 0.27%.
With 29.4K followers, Elijah Kirchmaier is a micro creator by the common 10,000 to 100,000 definition. Set against 1,133 accounts followed, the audience works out to about 26 followers per account Elijah Kirchmaier follows. Elijah Kirchmaier carries Instagram's verified badge and is set up as an Instagram business account. Flinque files Elijah Kirchmaier under a single category, Finance.
The Instagram bio for Elijah Kirchmaier runs to 18 words across 4 lines. The bio mentions @up.financial. The latest activity Flinque has on record for Elijah Kirchmaier dates from November 2025.
Story Highlights
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400 Posts
Of the 10 most recent posts shown for Elijah Kirchmaier, 8 are videos and 2 are carousels. That mix leans toward videos. 400 published posts give Elijah Kirchmaier a moderate archive on Instagram. Against the audience, that is roughly 74 followers for each post published. Elijah Kirchmaier also keeps 1 story highlight on the profile. All 10 carry captions, averaging 91 words each. The captions are written mainly in English. Words that recur across them include planning, retirement, financial, book and people.
People are realizing they donāt have to spend every dollar on themselvesā¦ or leave every dollar behind.
More families are intentionally using wealth to create experiences together while everyone is still healthy enough to enjoy them.
Family trips.
Shared experiences.
Memories that last longer than another number in an investment account.
In this episode of The Up Side with Eli, we talk about:
ā¢ why more retirees are prioritizing experiences
ā¢ how financial planning can create freedom for the whole family
ā¢ and why āextra moneyā can sometimes be used in more meaningful ways than people realize
Watch the full episode now on YouTube!
Big RRSPs = big tax bills in retirement.
Every dollar you pull out is fully taxable income.
If your RRSP gets too large, it can push you into a higher bracket.
And trigger OAS clawbacks you didnāt plan for.
A large RRSP without a withdrawal strategy is a tax problem waiting to happen.
The RRSP is a great tool. It is not a strategy on its own.
Need help planning your retirement? Book a call with our team!
Under marital law your assets belong to both of you. But under tax law each spouse is taxed individually on their own investment income.
That is where a spousal loan comes in.
By loaning money to your lower earning spouse at the prescribed rate, all of the investment growth on those assets gets attributed to them instead of you. The result is your household pays significantly less tax on the same investments.
Spousal loans are not used as commonly right now because the prescribed rate sits around 3 to 4%. But as rates start to come down this strategy is absolutely worth revisiting.
The couples who plan ahead will be ready when that window opens. š”
š² Book a meeting at
But for many Canadians, priorities shift over time.
At a certain stage, it becomes less about bouncing aroundā¦ and more about creating one place where the whole family can slow down, reconnect, and make memories together.
In this new episode of The Up Side, we talk about:
ā¢ how retirement goals evolve over time
ā¢ why family changes financial priorities
ā¢ and what people actually value most later in life
Watch the full episode now on YouTube.
But very few people ever talk about what happens once youāve already built *enough.*
In this episode of The Up Side, Eli sits down with CPA Brandon Murphy to unpack the real financial planning conversations affluent families are having around:
- excess wealth
- helping adult children
- tax-efficient gifting
- estate planning
- legacy planning
- investing beyond retirement needs
Because once retirement is covered, the conversation changes.
This episode breaks down the strategies, decisions, and mindset shifts that come with managing wealth intentionally, not just accumulating more of it.
š§ Watch or listen to the new episode of The Up Side!
Immediately paying off debt without looking at the bigger picture.
In some cases, paying off a mortgage too early can trigger large prepayment penalties and depending on the interest rate, it may not even be the best financial move in the first place.
When emotions are high, people often feel pressure to ādo something responsibleā with inherited money right away.
But good planning starts with understanding:āØā tax implicationsāØā interest ratesāØā penaltiesāØā liquidity needsāØā long-term retirement goals
Sometimes the smartest move is slowing down before making any major financial decisions.
Need help with financial planning? Book a consultation with our team ā link in bio!
But for families with disabilities, it can be one of the most valuable long-term planning tools available.
We help clients with:
ā RDSP strategies
ā Henson Trust planning
ā lifetime care planning
ā maximizing government benefits
And one thing we hear constantly is:
āI wish someone told us about this sooner.ā
The earlier you start, the more powerful the outcome can become.
You can contribute up to $8,000 per year, get a full tax deduction, watch it grow tax free, and pay zero tax when you use it to buy your first home.
And if you end up not buying a home you can transfer it straight into your RRSP with no penalties.
Most first time buyers are still not taking full advantage of this. Do not be one of them.
š² Book a meeting at
But this is fixable through:
- Strategic RRIF withdrawals before 71
- Delaying CPP or OAS
- Smart dividend planning from your corporation
Want to learn if these strategies work for your situation?
Book a consult with us! Link in bio.
Elijah Kirchmaier's engagement
Elijah Kirchmaier's engagement rate on Instagram is 0.27%, under 1%, fewer than 1 like or comment per 100 followers. On a typical post that comes to about 1 like or comment for every 370 followers. An average post collects 39 likes and 2 comments, close to 20 likes for each comment.
Engagement rate
0.27%
- Avg likes
- 39
- Avg comments
- 2
- Interactions : followers
- 1 : 370
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Research Elijah Kirchmaier further
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Frequently asked questions
These answers about Elijah Kirchmaier are generated from the Instagram profile data Flinque holds for the account.
Who is Elijah Kirchmaier?
Elijah Kirchmaier (@elithemoneyguy) is a Finance creator on Instagram. Elijah Kirchmaier carries Instagram's verified badge and is set up as an Instagram business account. The Instagram bio for Elijah Kirchmaier runs to 18 words across 4 lines.
How many followers does Elijah Kirchmaier have?
Elijah Kirchmaier has 29,408 followers on Instagram (29.4K). Set against 1,133 accounts followed, the audience works out to about 26 followers per account Elijah Kirchmaier follows. 400 published posts give Elijah Kirchmaier a moderate archive on Instagram.
What is Elijah Kirchmaier's engagement rate?
Elijah Kirchmaier's engagement rate on Instagram is 0.27%, under 1%, fewer than 1 like or comment per 100 followers. On a typical post that comes to about 1 like or comment for every 370 followers. An average post collects 39 likes and 2 comments, close to 20 likes for each comment.
What does Elijah Kirchmaier post about on Instagram?
Flinque files Elijah Kirchmaier under a single category, Finance. Of the 10 most recent posts shown for Elijah Kirchmaier, 8 are videos and 2 are carousels. The 10 recent Instagram captions Flinque holds for Elijah Kirchmaier repeatedly use the words planning, retirement, financial, book and people. Elijah Kirchmaier writes those captions mainly in English. Elijah Kirchmaier keeps 1 story highlight, which open with a free Flinque account.
How do I contact Elijah Kirchmaier for a collaboration?
Elijah Kirchmaier's contact details are not published on Flinque's public profile. The Instagram bio links to 2 external sites, and a free Flinque account opens those links. The account is registered as an Instagram business account. Brands with a free Flinque account can shortlist Elijah Kirchmaier and use Flinque's outreach tools wherever a contact route is on file.
Links
Elijah Kirchmaier's own Instagram profile is the one outbound link Flinque publishes for the account, and the 2 bio links open after signing up.
Public profile data sourced from Instagram. Flinque is not affiliated with Elijah Kirchmaier.