Full Service Investments

Non-Registered Investments Expand/Collapse

Non-registered simply means the investment does not receive the tax benefits of registered plans. That also means they don't have the same restrictions. More

Registered Retirement Savings Plans (RRSPs) Expand/Collapse

A Registered Retirement Savings Plan (RRSP) is a government approved plan that helps you save money for your retirement. RRSPs are an effective plan which may lower your taxable income while allowing your investment to grow tax sheltered.  The additional benefit to an RRSP plan is that when you withdraw the money you may be doing so at a tax rate that is lower than what you pay now, which could mean additional tax savings.   All withdrawals from an RRSP plan are subject to withholding tax.  At the age of 71 the RRSP may be converted into a Registered Retirement Income Fund (RRIF) to continue the tax deferral.

Anyone, including non-residents, who have earned income subject to Canadian taxation law may contribute to an RRSP.

You can also contribute to a plan in your spouse's name. A spousal RRSP is ideal for married or common-law partners who are in different tax brackets now and possibly in retirement. The contributing spouse or common-law partner benefits from the immediate tax deduction while the plan holder benefits from the growing retirement savings.

Limits to RRSP contributions are based on your previous years earned income. You can carry forward any unused portions. This information is on your Notice of Assessment from Canada Revenue Agency.

We have a variety of RRSP investment options to suit your need.  More

Registered Retirement Income Funds (RRIF) Expand/Collapse

A RRIF makes good sense for people after they retire.  The RRIF is a registered government plan and can be described as a continuation of your RRSP.  It will provide a consistent, reliable source of income from your many years of saving and investing and will have the same tax sheltering of growth with one key difference.  Instead of making tax deductible contributions, you have to a take out a minimum taxable amount each year, based on your age.  An RRSP has to be converted to a RRIF not later than December 31 of the year in which you turn 71.  We can help you plan your retirement income strategy to maximize your benefits, as well as help you focus in on key tax planning considerations. More

Tax-Free Savings Accounts (TFSAs) Expand/Collapse

A Tax Free Savings Account (TFSA) is a government-approved plan to encourage people to save, tax free. Using after-tax dollars (i.e. your take home money after deductions), you can invest up to $5,500 per year in a TFSA plan.  Any unused contribution amount can be carried forward.  TFSAs are allowed to grow tax-free and are available in a variety of investment options.

Best of all, you can withdraw this money from your plan at any time, without a tax penalty. A TFSA should be part of almost anyone's financial portfolio since it is a great solution for a variety of purposes. Read on to see why! More 

Registered Education Savings Plans (RESPs) Expand/Collapse

A Registered Educations Savings Plan (RESP) is a government approved plan designed to assist and encourage Canadians to save for post-secondary education.  Contributions to an RESP grow tax-sheltered, but unlike RRSPs, they are not tax deductible. More
 

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