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Deductible RRSP contributions can be used to reduce your tax. Any income you earn in the RRSP is exempt from tax for the time the funds remain in the plan. However, you generally have to pay tax when you cash in or receive payments from the plan.
Primary investment options for an RRSP account:
Mutual Funds and GICs are provided through Aligned Capital Partners Inc. Segregated Funds are an insurance product which are only purchased through Cornerstone Financial Management Inc. To learn more, please see the full disclaimer at the bottom of the page.
Other qualified RRSP investment options
If you have questions about investment choices for an RRSP account – that is not listed above – contact our office for more information.
Spousal RRSPs
With a spousal RRSP, you can direct part or all of your maximum allowable contribution to an RRSP in your spouse’s name. A spousal RRSP will help you save tax during retirement through income splitting, since the income eventually created from the funds will then be taxed at your spouse’s lower tax rate.
Withdrawal Options
You can withdraw from RRSPs to buy or build a home for yourself or for someone who is related to you and is disabled. (Home Buyers’ Plan). Please note that restrictions apply.
You can withdraw from RRSPs to finance training or education for you or your spouse or common-law partner. (Lifelong Learning Plan)
Aligned Capital Partners Inc. is a member of the Canadian Investor Protection Fund (www.CIPF.ca) and Canadian Investment Regulatory Organization (www.CIRO.ca). All non-securities related business conducted by Cornerstone Financial Management Inc. is not covered by the Canadian Investor Protection Fund (CIPF). Non-securities related business includes, without limitation, advising in or selling any type of insurance product, mortgage service, and/or tax return preparation service. Accordingly, ACPI is not liable and/or responsible for any non-securities related business conducted by Cornerstone Financial Management Inc., and all such non-securities related business is the responsibility of Cornerstone Financial Management Inc. alone.
Contact Us
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519-204-2495
Email – General Inquiries
info@cornerstonefm.ca
Office – By Appointment
380 Wellington St.
Tower B, 6th Floor
London ON N6A 5B5
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