We offer a range of registered and non-registered investment options suitable for every investor, from those who value safety, to those who like to and can afford to take risk. Call us today for a easy no fee review of your portfolio.
Registered Retirement Savings Plans were introduced by the government to help and encourage Canadians to save for retirement. The two main benefits of an RRSP account are you get a dollar for dollar deduction against your income for deposits made and tax is deferred on the investment growth until you withdraw money from the RRSP account. An RRSP is typically a long term savings vehicle.
A TFSA is a registered investment account in which all interest is earned completely tax free! Deposits are made with after tax income so you wont get a deduction for deposits like you would an RRSP, but when you withdraw money from a Tax Free Savings Account you don't pay tax (I promise this is not too good to be true)! Anyone can open a TFSA as long as they are 18 years old. A TFSA is an excellent short and long term investment vehicle.
A Non-Registered or Cash investment is typically only used once you have no more contribution room in your TFSA and RRSP, or if you are borrowing money to invest. When you borrow money to invest we recommend you put that money in a non-registered account as this way you can deduct the associated interest incurred on the loan.
As post secondary education costs continue to increase in cost many parents are looking to Registered Education Savings Plans to help offset the cost of children's education. A RESP is a great way to help save for a child's future as the federal government of Canada and many provincial governments offer to match a portion of your contributions, basically giving you free money.
We pride ourselves on making our interactions as easy for you as possible so we make sure to deal with company's that are always on the cutting edge of technological advancements when it comes to digital paperwork. You can sign most documents using electronic signatures while you're on the go or from the comfort of your own home!