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Whether saving for retirement or a child’s post-secondary education, registered accounts are a tax-effective addition to any investment portfolio. We offer the following registered account options for our clients:
Registered Retirement Savings Plan (RRSP): RRSP contributions, up to an annual maximum amount, are tax deductible, and your investments grow tax-deferred until withdrawal.
Registered Retirement Income Fund (RRIF): A RRIF is a tax-effective way to draw income from your RRSP after retirement, while continuing to earn tax-free growth on the funds within the account.
Tax-Free Savings Account (TFSA): You can contribute up to $5,500 to a TFSA each year and access your savings at any time. Your investments grow tax-free and you won't pay tax on any growth earned in the account, even when you make a withdrawal.
Locked-In Retirement Account (LIRA): A LIRA is an RRSP subject to restrictions under federal or provincial pension legislation. You may transfer eligible pension funds to a LIRA, where the funds can grow tax-deferred until withdrawal.