Investments

Wealth management is about making informed decisions. We will provide expert and personalized advice to help you achieve your financial goals. Contact us today to talk to an advisor.

Retirement (RRSP)

  • A Registered Retirement Savings Plan lets you build tax-deferred retirement savings.
  • As a Canadian government regulated program, RRSPs have special tax benefits.
  • Your annual RRSP contribution can greatly reduce the amount of income tax you pay in that year and the money you put away can have years of tax-deferred growth potential.
  • You only pay tax on the amounts you withdraw.
    • RRIF – Registered Retirement Income Fund
    • LRIF – Locked-in Retirement Funds
    • LLIF – Locked-in Life Income Fund
    • Annuities

Savings Plans
A host of non-registered savings are available:

  • Segregated fund which can give you the growth potential of investment funds with the security of insurance guarantees.
  • Guaranteed Investment Certificates (GCs) can provided safe and flexible investment options.
  • Mutual funds, where you invest by buying units of a fund and your investment is pooled with other investors in the fund.

Tax Free Savings Accounts (TFSA)

  • A Tax-Free Savings Account is a new way for residents of Canada to set money aside, tax-free, throughout their lifetimes. Contributions to a TFSA and the interest on money borrowed to invest in a TFSA are not tax deductible.
  • The income generated in the TFSA is tax-free when withdrawn.
  • For more information, click here… 

Education Saving (RESP)

  • As education costs continue to rise an RESP can help maximize your savings for your child. That means all your money starts working hard toward your savings goals right away.
  • For 2007 and later years, there is no annual limit for contributions and the lifetime limit on the amounts that can be contributed to all RESPs for a beneficiary is $50,000.

Have more questions about Investments? Check out our FAQ or Contact Us.

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