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As your individual, family and business needs evolve over time, it is important to have a robust plan in place to protect the wealth you have worked so hard to accumulate. While no one can predict the future, we can ensure you are ready for whatever comes your way.
Having a Comprehensive wealth plan is the cornerstone to ensuring confidence in your financial future.
A Registered Retirement Savings Plan (RRSP) is a retirement savings and investing vehicle for employees and the self-employed in Canada. Pre-tax money is placed into an RRSP and grows tax-free until withdrawal, at which time it is taxed at the marginal rate.
A Registered Retirement Income Fund (RRIF) is a tax-deferred retirement plan under Canadian tax law. Individuals use an RRIF to generate income from the savings accumulated under their registered retirement savings plan.
The Registered Disability Savings Plan ( RDSP ) is a long-term savings plan to help Canadians with disabilities and their families save for the future. If you have an RDSP , you may also be eligible for grants and bonds to help with your long-term savings.
A Registered Education Savings Plan (RESP) is a special savings account for parents who want to save for their child’s education after high school.
A Tax Free Savings Account (TFSA) is a registered investment or savings account that allows for tax free gains. The amount of money that can be contributed to a TFSA is limited each year. A TFSA can be used for any savings goal and withdrawals can be made free of tax.
Estate planning is the preparation of tasks that serve to manage an individual’s asset base in the event of their incapacitation or death. The planning includes the bequest of assets to heirs and the settlement of estate taxes. Most estate plans are set up with the help of an attorney experienced in estate law.