Investment Management

Investment Management Services


Registered Retirement Savings Plan is a tax advantaged way to save for retirement. It is never too early to start saving for retirement and an RRSP is the best way to do this. Each contribution results in a tax deduction saving you money now and deferring the tax until the funds are withdrawn in retirement. Your money also grows tax-free.


Now that you’ve put all this money in an RRSP, how do you get it out to fund your retirement? That’s where a Registered Retirement Income Fund comes in. A RRIF is designed to provides income to sustain your retirement lifestyle.


A Tax Free Savings Account is just as it sounds – tax free! There is no tax implication upon contributing to the account and the money grows and can be withdrawn tax-free. The TFSA is a flexible registered savings instrument that allows for tax advantaged investing. Unused TFSA room can be carried forward but there are some restrictions to be aware of.


Registered Education Savings Plan is an ideal way to save for your child’s education. Not only does the money grow tax-free but you also receive government grant money up to 20% of your contributions. When it comes to RESPs, the sooner you can open an account, the better as there are restrictions associated with the grant money. Give your children or grandchildren the gift of education!