From retirement planning to education savings, our comprehensive financial services help you maximize tax benefits and build lasting wealth for every stage of life.
Comprehensive financial planning solutions designed to help you save for retirement, fund education, and build wealth through tax-advantaged investment strategies.
Build wealth for retirement with Registered Retirement Savings Plans. Maximize your tax deductions while growing your investments for a secure retirement future.
Tax-Free Savings Accounts offer flexible, tax-free growth on your investments. Access your money anytime without tax consequences for withdrawals.
Convert your RRSP to a Registered Retirement Income Fund for steady retirement income. Strategic planning for your golden years with minimum withdrawal requirements.
Registered Life Income Fund strategies for tax-efficient retirement income. Optimize your retirement savings withdrawal strategy for maximum benefit.
Invest in your child's education with Registered Education Savings Plans. Maximize government grants and tax advantages for your family's educational future.
Comprehensive group insurance and benefit plans for businesses. Protect your employees with cost-effective group coverage solutions.
Licensed professionals with over 15 years of experience helping families build wealth and secure their financial future.
Our financial advisors are fully licensed and certified professionals with extensive knowledge of Canadian financial markets and regulations.
We provide fast and efficient service delivery, ensuring you get the financial solutions you need promptly without unnecessary delays.
Tailored financial strategies designed specifically for your unique needs, family situation, and long-term financial goals.
A proven 4-step process that helps you build wealth and achieve your financial goals.
We meet with you to understand your current financial situation, goals, and risk tolerance.
We analyze your financial data and create a comprehensive assessment of your current position.
We develop a personalized financial strategy that aligns with your goals and risk profile.
We help you implement your financial plan and provide ongoing support and monitoring.
Common questions about our financial services and planning process.
RRSP contributions are tax-deductible but withdrawals are taxed, while TFSA contributions are not tax-deductible but all growth and withdrawals are tax-free. RRSPs are ideal for retirement planning, while TFSAs offer more flexibility for any financial goal.
Your RRSP contribution limit is 18% of your previous year's earned income, up to a maximum of $31,560 for 2024. Unused contribution room carries forward indefinitely, so you can catch up on missed contributions.
You must convert your RRSP to a RRIF by December 31st of the year you turn 71. However, you can convert earlier if you need regular income. Many people convert at age 65 to start receiving retirement income.
The Canada Education Savings Grant (CESG) matches 20% of your contributions up to $500 per year per child. Low-income families may qualify for additional grants. The grants are automatically deposited into your RESP account.
Yes! Having both RRSP and TFSA accounts is often the best strategy. RRSPs provide immediate tax benefits, while TFSAs offer tax-free growth and flexible withdrawals. The optimal allocation depends on your income level and financial goals.
Our licensed financial experts are ready to help you create a comprehensive plan that maximizes your savings and builds lasting wealth for your family.