Tax Planning
An investment tax strategy is not just about writing the government a cheque; it can be a deeply involved process that takes into account many different variables. This careful work can dramatically lower the taxes you owe.
Every investment option has a tax implication, and understanding the trades-offs between each choice is critical to maximizing your returns.
RRSP, RRIF, LIF, TFSA, JWROS, LIRA – who can make sense of this alphabet soup?
A Certified Financial Planner can help you understand your investment options, their different taxation rates, and how they fit into your overall financial strategy. The more assets you have, the more complicated this process can become. Owning a corporation, being a beneficiary of a trust, or being in a limited partnership can all affect your tax plan. Investment tax planning is another essential service offered by our team.
Certified Financial Planners can help you choose the right investment options and they can show you why some alternatives are not the best fit for you.
TFSA
The Tax-Free Savings Account is a registered savings account that allows taxpayers to earn investment income tax-free inside the account. Contributions to the account are…
RRSP
A Registered Retirement Savings Plan is a retirement plan that is registered with the federal government and that you or your spouse or common-law partner can…
RRSP Loans
A Borrowing money to invest in an RRSP has many advantages. Besides the immediate tax refund, you also can…
RESP
Registered Education Savings Plans are registered education savings plans that grow tax-free until the child is ready for university, college or a vocational…
RDSP
Since 2008, the Registered Disability Savings Plan has been available to Canadians who qualify for the disability tax credit and offers a tremendous bonus to…
Borrowing to Invest
Leveraged investing is defined as borrowing money to finance an investment. You are familiar with the concept of leverage if…
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Related Services
We offer a number of financial management services, all individually tailored for your goals.
If you have an established Retirement Savings Plan or are just beginning, it is never too late to begin saving.
Estate planning is for everyone. In Canada, No estate tax is owed when an estate is transferred to your heirs after you die.
Estate taxes, income taxes and education funds are just a few of the complex aspects of your total financial picture.
Proper analysis is vital to ensure that you aren’t paying too much for insurance and that you have the correct type.
