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Savings & Investment

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Grow with purpose. Invest with confidence. Retire with clarity.

Saving isn’t just about putting money aside—it’s about positioning every dollar to work harder, smarter, and longer. Our savings and investment solutions are designed to support short-term goals, long-term wealth, and retirement income—without unnecessary complexity.

We don’t chase trends. We build strategies that last.

Grow with purpose. Invest with confidence. Retire with clarity.

Saving isn’t just about putting money aside—it’s about positioning every dollar to work harder, smarter, and longer. Our savings and investment solutions are designed to support short-term goals, long-term wealth, and retirement income—without unnecessary complexity.

We don’t chase trends. We build strategies that last.

How We Help You Grow

✔ Tax efficiency
✔ Capital preservation
✔ Market participation with protection options
✔ Flexible access when life happens

All solutions are structured using professionally managed investment funds and, where appropriate, guarantees to help manage market volatility.

 

  • Registered plans are designed to help you grow your savings with tax advantages—ideal for retirement, first-home goals, or flexible long-term investing.

    Best for: building wealth efficiently, retirement planning, first-home strategy.

    Includes: RRSP, TFSA, FHSA, LIRA.

  • An RRSP helps you save for retirement while reducing taxable income today. Your investments can grow tax-deferred until you withdraw.

    Best for: higher-income earners, retirement savings, tax planning.

    Good to know: In retirement, RRSP savings are typically converted into a retirement income vehicle like an RRIF.

  • A TFSA is a flexible account where investment growth can be tax-free, and withdrawals are not taxed.

    Best for: emergency funds, medium/long-term goals, flexible investing.

    Good to know: You can withdraw anytime (rules apply), making this a strong all-purpose account.

  • The FHSA is designed to help future homeowners save for a first home in Canada. It combines benefits commonly associated with RRSP and TFSA-style outcomes.

    Best for: first-time homebuyers building a down payment.

    Good to know: Contributions and growth are structured for home ownership objectives, with specific eligibility rules.

  • A non-registered account works like a personal investment account with no contribution limit. It’s often used after maximizing registered plans or for broader wealth goals.

    Best for: business owners, higher savings capacity, long-term investors.

    Good to know: Income/growth may be taxable, depending on investment type and activity.

  • When you’re ready to turn savings into income, retirement income vehicles can help structure withdrawals while keeping investments working.

    RRIF: Often used to convert RRSP savings into ongoing retirement income.
    LIF: Commonly used for locked-in retirement assets, with rules around withdrawals.

    Best for: retirees, near-retirees, structured income planning.

  • We build long-term strategies with real-life flexibility:

    • Coordinated plan across multiple account types

    • Diversified investment options

    • Risk management options (including guarantees where appropriate)

    • Transition planning from savings → retirement income

Talk to an Advisor

Let’s match your savings strategy to your real goals—then build the right account mix.

Rules, eligibility, and tax treatment depend on individual circumstances and current legislation. We’ll confirm fit during your review.

 
Talk to an Advisor