Whether it’s saving for your child’s education, planning a vacation or building a nest egg for retirement, we work with specialists to create an investment portfolio that is tailored to your needs.  We offer you a wide range of investment products from a vast number of companies.

Registered Retirement Savings Plans (RRSP)

Contributing to an RRSP is still one of the most popular and tax-effective ways of saving for your retirement, allowing you to defer the tax on your contributions.  However, there are penalties associated with early redemption.  Considering going to school are buying a home?  It might make sense to take advantage of the government’s Home Buyers Plan (HBP) or Lifelong Learning Plan (LLP) through your RRSP.

Tax-Free Savings Accounts (TFSA)

A TFSA allows you to invest after tax dollars in an array of different investments. The growth on this income is tax-free. Therefore, when you redeem there is no tax payable and it does not trigger any claw backs, or push you into a higher tax bracket. Unlike RRSP’s there are no early redemption fees.

Locked-In Retirement Accounts (LIRA)

If you have a pension that was rolled over from a previous job, there will usually be restrictions on accessing it before retirement.  Much like an RRSP, a LIRA allows you to manage these funds personally.

Registered Retirement Income Funds (RRIF)

You’ve saved for your retirement and now you need an income. When you are ready to start drawing from your registered retirement savings, we can help you convert to an RRSP begin the stream of income payments.

Registered Education Savings Plans (RESP)

When you contribute to this type of registered plan, the federal government provides a grant to help you reach your goals faster. They will provide a grant equal to 20% of your contributions to a maximum of $500 a year and a lifetime max of $7200.

Registered Disability Savings Plan (RDSP)

A registered disability savings plan is designed to provide long-term financial security for a person with a disability. Tax deferred investment growth, along with generous government grants make the RDSP a powerful investment tool. An RDSP can get a maximum of $3,500 in matching grants in one year, and up to $70,000 over the beneficiary’s lifetime.

Annuities

For those without pension plans, annuities provide a steady, predictable guaranteed income stream. Annuities can remove longevity risk (ensure that you never outlive your money) and market risk (you will continue to receive your payments regardless of market fluctuations or interest rates changes). You can put a portion of your retirement savings into an annuity to cover your basic needs, allowing you to use the rest of your money to live the retirement you want with confidence.