Based on your specific needs and goals, investments can play a key role in your financial security plan and your ability to achieve your short- and long-term goals. We have access to a wide range of savings and income products – both registered and non-registered savings, income, and pension plans for individuals; as well as registered and non-registered savings and pension plans for employee groups.

  • Registered retirement savings plans
  • Tax Free Savings Accounts
  • Registered education savings plans
  • Segregated fund policies
  • Registered disability savings plans

RRSPs and RESPs

A registered retirement savings plan (RRSP) can be an effective way to benefit from tax-deferred compound interest and accumulate savings for your long-term retirement goals. And if you have children, a registered education savings plan (RESP) can help you contribute to their post-secondary education.

The advantages of RRSPs and RESPs include:

  • Tax-deductible RRSP contributions
  • Tax deferral of compounding income and growth
  • Government RESP grant is available based on family net income and amount contributed

We can help you personalize an investment portfolio based on your financial security goals, your tolerance to risk and your timeline for realizing your goals. Contact to take a closer look at your investment portfolio and find out how RRSPs and RESPs could be part of your financial security plan.

Tax-Free Savings Accounts

The Tax-Free Savings Account (TFSA) program began in 2009. It is a way for individuals who are 18 and older and who have a valid social insurance number to set money aside tax-free throughout their lifetime. Contributions to a TFSA are not deductible for income tax purposes. Any amount contributed as well as any income earned in the account (for example, investment income and capital gains) is generally tax-free, even when it is withdrawn. Administrative or other fees in relation to TFSA and any interest or money borrowed to contribute to a TFSA are not deductible.

Segregated fund policies

Segregated fund policies are similar to mutual funds, but they’re only available through life insurance companies. Professional investment managers invest in a variety of individual securities, and the value of your policy’s units increase or decrease with the performance of the segregated funds you select. However, because segregated fund policies are a form of life insurance, they have advantages for some investors.

These advantages can include:

  • Ability to designate a beneficiary to bypass the estate
  • Potential for creditor protection1
  • Savings on potential probate fees, if any
  • Maturity and death benefit guarantees
  • No trustee fees

We have access to a wide variety of segregated funds. Contact to find out how segregated funds could strengthen your investment portfolio.

A description of the key features of the segregated fund policy is contained in the information folder.

Any amount that is allocated to a segregated fund is invested at the risk of the policy owner and may increase or decrease in value.

1 Creditor protection depends on court decisions and applicable legislation, which can be subject to change and can vary from each province; it can never be guaranteed. Talk to your lawyer to find out more about the potential for creditor protection for your specific situation.

Registered Disability Savings Plans

A registered disability savings plan (RDSP) is a savings plan that is intended to help parents and others save for the long ter m financial security of a person who is eligible for the disability tax credit (DTC). Contributions to an RDSP are not tax deductible and can be made until the end of the year in which the beneficiary turns 59. Contributions that are withdrawn are not included in income for the beneficiary when they are paid out of an RDSP. However, the Canada disability savings grant (grant), the Canada disability savings bond (bond), investment income earned in the plan, and rollover amounts are included in the beneficiary's income for tax purposes when they are paid out of the RDSP.