Investments
Guiding our clients in effectively growing and preserving their wealth through a thought a variety of diversified investment solutions designed to meet their unique financial objectives.
We help you manage and protect your assets. By creating tailored investment plans based on your goals and risk levels, we make sure your money works hard for you. We take the time to understand your finances, future goals, and comfort with risk. With this insight, we design a strategy that aligns with your values—whether it's saving for a big purchase, planning for education, or growing long-term wealth.
Investment Options
Whether you’re new to investing or are seeking to diversify an already established portfolio, we proudly offer a diverse array of professionally managed investment options. These options are designed to align seamlessly with your personal goals, values and specific risk tolerance, ensuring that your investment strategy is both effective and personalized.
Tax-Free Savings Account (TFSA)
A TFSA is an account where investment income, dividends, and capital gains grow tax-free, and withdrawals are also tax-free. No taxes on investment growth or withdrawals. A flexible, tax-free way to save and invest for any goal.
Registered Retirement Savings Plan (RRSP)
An RRSP defers taxes on your investments, lowering annual taxable income and enhancing retirement savings. Investments grow tax-free until withdrawal, usually in a lower tax bracket, making RRSPs crucial for retirement planning and wealth accumulation.
Registered Education Savings Plan (RESP)
An RESP aids families in saving for a child's education. Contributions grow tax-deferred, and the government adds up to 20% annually via the Canada Education Savings Grant (CESG), up to 10% with the Quebec Education Savings Incentive (QESI) and $500 upon opening the account from the Canada Learning Bond (CLB). Withdrawals for education are usually taxed at the student's lower tax rate, enhancing savings efficiency. The maximum contribution limit is $50,000 per beneficiary over the lifetime of the plan. There is no annual limit, but grants are maximized based on $2,500 contributed per year.
First Home Savings Account (FHSA)
The FHSA is a powerful new option for first-time homebuyers, combining the best features of RRSPs and TFSAs. Contributions are tax-deductible, and withdrawals used to purchase a first home are tax-free. It's a smart way to save toward homeownership while benefiting from immediate and long-term tax advantages.
Locked-In Retirement Account (LIRA)
A Locked-In Retirement Account (LIRA) is a specialized retirement savings vehicle designed to hold pension funds you've transferred from a former employer's pension plan. Unlike a regular RRSP, the funds in a LIRA are "locked in" until retirement age, helping to ensure that the money is preserved for long-term income. One of the key benefits of a LIRA is that it allows your investments to grow tax-deferred while offering flexibility in how your retirement income is eventually accessed—typically through a Life Income Fund (LIF) or a life annuity. It’s a valuable tool for maintaining control of your pension savings while securing your financial future.
Non-Registered Investment Accounts
Non-registered accounts offer the most flexibility, with no contribution limits or withdrawal restrictions. While investment income is taxable, these accounts are ideal once registered account limits have been maximized, or when access to funds without tax-related constraints is important. They’re well-suited for investors with mid-to-long term goals, or for those looking to build additional wealth outside of registered plans.
Smart investing isn’t just about where you put your money, but also about how. Leveraging tax-advantaged accounts can make a significant difference in your long-term financial growth and retirement readiness.
We’re Here to Help
Investing can be complex, but it doesn’t have to be overwhelming. We simplify the process, helping you stay on track with smart strategies, personalized advice and support. We're here to ensure every decision aligns with your vision and objectives.
Whether you're just getting started or looking to optimize your existing portfolio, we're here to help you invest with confidence and clarity.
FAQ
-
Registered Accounts (TFSA, RRSP, RESP, etc.) offer tax advantages but have contribution limits.
Non-Registered Accounts have no limits, but you pay taxes on income and capital gains.
-
In 2024, the TFSA contribution limit is $7,000. The total lifetime contribution limit depends on your age.
-
You can:
Transfer the RESP to another child.
Transfer up to $50,000 to an RRSP (if you have room).
Withdraw the money (but must return the grants).
-
No, TFSA withdrawals are 100% tax-free.
-
In 2024, the RRSP contribution limit is 18% of your previous year’s earned income, up to a maximum of $31,560 in 2024.
-
You pay taxes on the withdrawal.
The bank also withholds a percentage for taxes (5-30% depending on the amount).
-
There’s no annual limit, but the lifetime limit per child is $50,000. To maximize the grants every year, the annual contribution is $2500 per child.
Explore your options
Get the right investments solutions to protect and support your long-term vision.