Greenmachine you wrote...

-Remind the client it’s their responsibility to ensure they do not exceed their TFSA contribution room.

The budget is expected to pass in a few weeks.

The TFSA over-contribution penalty is 1% per month, levied on the amount of excess TFSA contributions. If you have over-contributed to your TFSA by $1,000, then the penalty will be $10 per month until you have removed the excess amount, or more contribution room becomes available.

So let's say you are looking at the price right now and thinking its going to be much higher in a few weeks. You would be able to take an extra $4500 less commissions and buy or transfer to your tfsa.

If in a few weeks (assume 1 month) ...the budget for some reason didn't pass then you would pay $45.00 for that month. You can then transfer back the tfsa into another account or continue to pay $45.00 every month until the end of Dec.

Bottom line if you think the price going forward will be much higher....your risk is only $45.00 if budget does not pass in one month.