RRSP — Registered Retirement Savings Plan
Grow your wealth, empower your future.
An RRSP does double duty: contributions are deductible, lowering the income tax you pay now, while your investments grow tax-deferred until retirement. It's a cornerstone of most Canadians' retirement plans — and it can also help fund a first home or further education.
I'll help you decide how much to contribute, what to invest in, and how your RRSP fits alongside your TFSA, pension and other savings so the whole picture works together.
What this coverage gives you
Immediate tax savings
Every dollar you contribute reduces your taxable income for the year — often generating a refund.
Tax-deferred growth
Your investments compound without annual tax drag until you withdraw in retirement.
Home Buyers' & Lifelong Learning Plans
Borrow from your RRSP tax-free to buy a first home or fund education.
Segregated fund options
Investments with built-in guarantees and estate benefits for those who want extra security.
Who it's for
- Salaried employees in higher tax brackets
- Anyone without a workplace pension
- First-time home buyers
- Self-employed Canadians
- Those planning a comfortable retirement
Frequently asked
How much can I contribute to my RRSP?+
Your limit is 18% of last year's earned income up to an annual maximum, plus any unused room carried forward. Your most recent CRA Notice of Assessment shows your exact number — I'll help you read it.
RRSP or TFSA — where should I save first?+
It depends on your income and goals. Higher earners often favour the RRSP for the deduction; the TFSA shines for flexibility and tax-free withdrawals. Most people benefit from using both, and I'll help you balance them.
What are segregated funds?+
They're investment funds offered through insurance companies that can guarantee a portion of your principal and pass directly to your beneficiaries, often bypassing probate. They suit clients who want growth with added protection.
Protect your future with a free consultation
No pressure, no obligation — just clear, independent advice tailored to your life. Find out where you stand in a quick conversation.