The Perfect Financial Plans
Choosing the right plan is crucial for your growth. We offer plans that fit your current needs and scale with your ambitions. Whether you're just starting out, expanding your investments, or looking for new opportunities, we have a solution designed for you.
Tax-Free Savings Account
Grow your investments tax free
Registered Education Savings Plan
Turn your investments into savings for your children.
Registered Retirement Savings Plan
Grow your retirment fund to live the life you deserve.
TFSA
A TFSA lets your savings grow tax-free, offering a great solution for your financial goals. You are allowed to add roughly $7,000 - $8,000 to your contribution amount every year.
RESP
RESPs provide a tax-efficient way to save for your children's post-secondary education, with the added benefit of grants to maximize your contributions and investment.
RRSP
An RRSP helps you grow your retirement savings with tax-deferred benefits, allowing you to secure a comfortable future with plenty of room for investments to grow.
TFSA
Tax-Free Savings Account
A TFSA is a versatile savings option that allows your investments to grow tax-free, providing you with financial flexibility for any life goal. Whether you’re saving for a home, retirement, or unexpected expenses, we help you optimize your TFSA contributions and choose the best investment strategies. With our guidance, you can make the most of your TFSA and achieve your financial goals.
TFSA Calculator
Project your tax-free savings growth and compare with taxable investments
Investment Details
Projected Results
Important Assumptions & Information
- Annual TFSA contribution limit for 2025 is $7,000
- Lifetime contribution limit since 2009: $102,000 (2025)
- Unused contribution room carries forward indefinitely
- Marginal tax rate: Based on province and income level
- Always verify your actual TFSA contribution room with CRA
- Current marginal tax rate: --
RESP
Registered Education Savings Plan
A Registered Education Savings Plan (RESP) helps secure your child’s educational future by allowing you to save tax-free for their post-secondary education. We guide you in selecting the best RESP options, maximizing government grants, and ensuring your contributions grow efficiently over time. With our personalized help and support, you can invest confidently in your child’s dreams.
Frequently Asked Questions
How does an RESP help me save for my child’s education?
An RESP allows your contributions to grow tax-free, and the government adds grant money on top, helping your savings grow faster than a regular account.
What is the Canada Education Savings Grant (CESG)?
The CESG matches 20% of your annual contributions up to $500 per year, with a lifetime maximum of $7,200 per child.
Who can contribute to an RESP?
Parents, grandparents, or any designated subscriber can contribute, making it a flexible family savings plan.
What happens if my child doesn’t go to post-secondary school?
You can transfer investment growth to your RRSP (if you have room), move the plan to another child, or withdraw the funds with specific tax rules.
When should I start contributing to an RESP?
You can open and contribute to an RESP as soon as your child has a SIN number. Starting early maximizes tax-free growth and gives you more years to collect government grants.
Is there a maximum amount I can contribute to an RESP?
Yes — the lifetime contribution limit is $50,000 per child. There is no annual contribution limit, but annual contributions determine how much CESG grant money you receive.
Can I have more than one RESP for the same child?
Yes, multiple RESPs can exist for the same beneficiary, even from different providers. However, the total contributions across all accounts cannot exceed the $50,000 lifetime limit.
RESP Calculator
Plan your child's education savings with government grants
Contribution Details
Savings Breakdown
Key Assumptions
- Effective annual rate of return: 3%
- Calculation only considers basic CESG grants (20% match)
- Does not include unused grants from previous years
- Based on regular monthly contributions until December 31st of the year child turns 17
- Child begins post-secondary education when all grants received
- CESG lifetime maximum: $7,200 per beneficiary
- RESP lifetime contribution limit: $50,000 per beneficiary
RRSP
Registered Retirement Savings Plan
We simplify setting up an RRSP by guiding you through the process step by step, from choosing the right investment options to maximizing tax benefits. Our expert team ensures your RRSP aligns with your financial goals, providing personalized strategies to help you save for retirement efficiently. With our support, you can secure your future while making the most of your contributions.
RRSP Calculator
Project your registered retirement savings plan growth
Investment Details
Projected Results
Important Assumptions & Information
- Annual RRSP contribution limit: 18% of previous year's earned income (max $31,560 for 2024)
- Unused contribution room carries forward indefinitely
- Marginal tax rate: Based on province and income level
- Annual retirement income based on 4% withdrawal rate
- Current marginal tax rate: --
READY TO Secure your future?
Get Started Today!
Protect your family’s future and ensure your wishes are honored with a financial plan made just for you. Book a consultation today and take the first step toward lasting peace of mind and financial security.
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