Investment Options

RRSP (*) (**) 
Take advantage of generous tax benefits while building up your retirement wealth with a Registered Retirement Savings Plan (RRSP). Our advisors will regularly review your RRSP to make sure it’s as tax-efficient as possible, and keep your investment portfolio diversified and profitable to help you have the retirement you’ve always dreamed about. 
 
  
TFSA (*) (**) 
Do you have a Tax-Free Savings Account (TFSA)? Dividends and capital gains generated by investments within a TFSA are tax-free, even when withdrawn, so your savings will accumulate faster. There is no annual deadline to contribute to your TFSA, and if you need quick access to cash, you can make no-cost withdrawals at any time. 
 
  
NON-REGISTERED ACCOUNT (*) (**) 
Benefit from flexibility, consistent liquidity, and no contribution limits with a non-registered investment account. Capital gains from investments within these accounts are only subject to tax upon withdrawal, and are taxable at only 50% of your marginal tax rate. Unlike RRSPs and TFSAs, there are no contribution limits, giving you unlimited investment freedom. 
 
  
RESP (*) (**) 
Give your children’s post-secondary education the best start possible with a Registered Education Savings Plan (RESP). When you open and contribute to an RESP, you’ll access the Canada Education Savings Grant (CESG), which allows the federal government to also contribute to your child’s education to a maximum of $7,200 per child over the lifetime of the RESP. 
 
  
RDSP (**) 
If you or someone you care about has a disability, you can open a Registered Disability Savings Plan (RDSP), which will provide them with financial security to help with their specialized needs. Funds grow tax-free until withdrawal, have flexible payment terms, and will give you or your loved one added independence and income through the later years.