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You don’t need a fortune to retire. You need a plan.

RRSP - Registered Retirement Savings Plan
A fundamental part of a sound retirement plan is an RRSP. An RRSP offers you two big benefits - one this year, and the other, year after year.

First, each dollar invested can be deducted from your taxable income*. This reduces your taxes and boosts your income. You can contribute to your RRSP until you turn 69, so every year you have a new opportunity to lower your taxes. And, you can even take advantage of any unused contributions from previous years to further reduce your taxes.

The second major benefit of having an RRSP comes in the long-run. The earnings on your money can grow tax-free. As you can imagine, having years to grow your money tax-free will likely give you a much larger nest-egg when you do retire than having your gains taxed each year.

An RRSP is an integral part of any retirement plan. But not all RRSPs are equal. The quality of advice you have can make all the difference to the quality of your RRSP. This is where we can play a critical role. We can help you select the best investments for your RRSP to help you lower your taxes and reach your retirement goals.Our Other Registered Retirement Plans

There are other registered plans outside of an RRSP that may be more appropriate to your needs and goals.

RESP: An Educated Future
Let us help you plan a bright future for your children or grandchildren. We can help you save for your child's post-secondary education while enjoying tax-sheltered growth of your investment income with a Registered Education Savings Plan (RESP). Contributions can be made up to $4,000 per year, to a lifetime maximum of $42,000 per child.**

PLUS your contributions may be supplemented by the federal government's Canada Education Savings Grant (CESG), which can add up to a maximum of $400 a year to your RESP. Lifetime maximum of $7,200 per child**.

RRIFs: Enjoy Your Retirement
Now that you have retired, your financial representative can help you structure your income needs so that you relax and enjoy your retirement. We can help evaluate your investments and determine the optimum retirement income for your particular needs.

LIRA & LIF: Make Them Count
If you have pension money from previous employers you can have the option to control of these assets and make investment decisions that allow your money to work for you. Your financial representative can review your pension plans and locked-in retirement accounts (LIRAs) to assist you in making an educated investment decision.

For more details, contact us or e-mail us and we'll reply within We will reply within 24 hours during our business hours.

*Contribution limit is currently 18% of earned income up to a maximum of $14,500.
** Source: Canada Customs and Revenue Agency

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