GIVE YOURSELF THE MEANS TO ENJOY LIFE

Your plan

There is no secret. The more you save, the bigger your retirement budget. Do you need to be a millionaire to do this? Not necessarily. It all depends on your lifestyle. However, one thing is certain: we can all save, and the sooner you start, the more you will save.

Let us offer you a plan that will meet your retirement goals.

 

FINANCIAL PLAN1

Concrete tool to help you build a solid future

Your needs are simple, but many: investing in retirement; ensuring your family's financial security; paying lower taxes, etc. A financial plan can help you prioritize them and meet them more easily. It is never too early (or too late) to plan and invest. Contact your advisor or financial planner to make an appointment.

 

TFSA AND RRSP

Prosper tax-free

The RRSP allows you to save money and defer taxation of your savings to your retirement, at which time the rate will be lower. You also accumulate interest in the meantime.

Not contributing to your RRSP for a year can have a real impact on your retirement income goal. Borrowing to contribute to your RRSP may be more advantageous.

The TFSA allows you to save tax-free, but also to take advantage of non-taxable withdrawals. An ideal way to save for a project. Which of these two savings tools suits you best?

Borrowing to contribute to an RRSP

Our RRSP loans allow you to borrow to increase your annual RRSP contribution and make up for lost time. Not contributing to your RRSP for a year can have a real impact on your retirement income goal. Borrowing to contribute to your RRSP may be more advantageous. This is a particularly effective strategy when you apply your tax refund against your loan.

Which loan is right for you?

 

RDSP

Building a future for a person with a disability

The RDSP (Registered Disability Savings Plan) allows you to build financial security for yourself or a loved one with a severe and prolonged disability. Accessible to the Canada Disability Savings Grant (CDSG) and the Canada Disability Savings Bond (CDSB).

 

HBP

The RRSP as access to property

The HBP (Home Buyers' Plan) allows you to use up to $35,000 of your RRSP for the down payment required to purchase a first house without paying tax upon withdrawal. If you are planning to purchase a home, we have other tools to help you.

 

LLP

Return to school with your RRSP

The Lifelong Learning Plan allows you to use your RRSP without paying taxes to fund training or a full-time education for you or your spouse. The withdrawal limit is $20,000 over 4 years with 10 years to repay the withdrawn amount.