Plans

We offer a wide range of plans to meet your needs.

Tax Free Savings Account

A Tax-Free Savings Account (TFSA) is a registered savings plan that allows you to grow and withdraw your money tax-free, making it an excellent choice for both short and long-term savings. Unlike a non-registered savings account, once you open a TFSA, you can contribute to it at any time and earn tax-free interest or returns.

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Registered Disability Savings Plans

A registered disability savings plan (RDSP) is a savings plan designed to assist parents and guardians in saving for the long-term financial security of a person who is eligible for the disability tax credit (DTC).

Registered Education Savings Plans

A Registered Education Savings Plan (RESP) is a type of savings account designed for parents who want to save for their child's post-secondary education.

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RRSP's and RRIF

An RRSP is a registered retirement savings plan that you establish, and to which you contribute. Deductible RRSP contributions can be used to reduce your tax.  A RRIF is essentially an extension of an RRSP. Its purpose is to convert the money saved in an RRSP into retirement income. Your savings can continue to grow tax-free once they are placed in a Registered Retirement Income Fund.

LIRAs and LIFs

Locked-in Retirement Accounts ( LIRAs ) and Life Income Funds ( LIFs ) are transfer vehicles for transferring amounts accrued in supplemental pension plans. A LIRA is a retirement savings vehicle, whereas a LIF is a vehicle for withdrawing retirement income.

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Tax Efficient Corporate Class Investment Accounts

Since corporate class funds are linked and belong to the same parent corporation, taxes are managed as a single entity. As a result, corporate class mutual funds can share income, expenses, gains, losses, and loss carry-forwards in order to reduce the corporation's overall taxable distributions.

JWROS Investment Accounts

Each person named on a JTWROS (Joint Tenancy with Right of Survivorship) account is a legal owner. In most cases, each named individual will have the authority to give instructions or transact on the account. When a joint tenant dies, his or her legal ownership ceases, and the remaining account holder(s) retains legal authority over the account.

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