Investment Solutions
The future you dream of begins with the choices you make today. We help you make informed investment decisions with personalized solutions designed to grow your wealth, protect your aspirations, and create a legacy for the people who matter most.
Know your options
RRSP — Registered Retirement Savings Plan
Save for the future while enjoying tax benefits now: contributions are tax-deductible, reducing your income tax liability, and the income your RRSP earns is exempt from tax as long as it stays in the plan. You can borrow from it tax-free under the Home Buyers' Plan or Lifelong Learning Plan, convert it to a RRIF or annuity tax-free at retirement, and — if you earn more than your spouse — contribute to a spousal RRSP to split retirement income more evenly and reduce your combined tax.
RESP — Registered Education Savings Plan
An investment used by parents or grandparents to save for a child's post-secondary education. Earnings are tax-sheltered and taxed to the child on withdrawal, who as a student may pay little to no tax on them. Funds cover more than tuition — books, living expenses and more — and the federal government adds up to $500/year through the Canada Education Savings Grant, to a lifetime maximum of $7,200 in free money. You choose how much and when to withdraw.
TFSA — Tax-Free Savings Account
A flexible, general-purpose account for Canadian residents 18+ — any interest, capital gains or dividend income earned inside it is completely tax-free, and withdrawals are tax-free at any time for any purpose since contributions aren't tax-deductible. You can hold a wide range of investments (GICs, stocks, bonds and more), contribute toward a spouse's TFSA, and withdrawals never affect income-tested government benefits like the Guaranteed Income Supplement or Old Age Security.
What's included
- RESP setup for your children's education savings
- RRSP planning around your first Canadian income
- TFSA strategy for shorter-term goals
- Annual portfolio check-in with your advisor
How it works
1
Free consultation
Tell us what you need — we'll map out a plan across whichever services apply to you.
2
A plan built for you
One advisor coordinates settlement, banking, insurance, driving or investment steps so nothing falls through the cracks.
3
We handle it with you
From paperwork to appointments, we stay with you until each step is actually done.
Frequently asked questions
As soon as your child has a SIN. The government's matching grants accumulate over time, so starting early makes a real difference.
An RRSP defers tax until retirement withdrawal and suits long-term saving; a TFSA grows tax-free and suits both short- and long-term goals. Most clients use both.
