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FINANCIAL ADVISERS SPECIALIZED
IN RRSP OPTIMIZATION, MOTIVATED TO HELP YOU
KEEP MORE MONEY IN YOUR POCKETS
Strategies and solutions tailored specifically to your situation, objectives, and needs. Do you want to contribute to your RRSP but feel overwhelmed trying to figure out your actual contribution limits, how much you’ll get back, or how to make informed investments to maximize your tax returns? Our partners are here to guide you every step of the way and ensure you get 100% of your tax return potential!
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REER et Celi pour l'année 2024 : Maximisez votre retour d'impôt & comparez les rendements
Droits de cotisation, retour d’impôts optimaux, REER traditionnels et spécialisés
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WHICH BANKS OFFER THE BEST RRSP RATES IN CANADA?
OUR EXPERTS ARE HERE FOR YOU,
WHATEVER YOUR NEEDS MAY BE
EVALUATION OF YOUR RRSP CONTRIBUTION ROOM
An RRSP adviser will first evaluate your contribution room for the current year and also review any unused contribution room to determine your maximum allowable contribution.
- Income earned during the previous year
- Annual contribution of 18% of your income, or the limit
- Federal contribution notice
- Unused contribution room
- And much more!
DETERMINATION OF YOUR PENSION ADJUSTMENT FACTORS (PA)
If you contribute to a registered pension plan (RPP) through your employer, your contribution room may be impacted. Our experts know how to identify this data.
- Pension adjustment factor
- Past service pension adjustment (PSPA)
- Revised pension adjustment (RPA)
- And much more!
OPTIMIZATION OF YOUR NET TAX REFUNDS
Contributing to an RRSP may seem simple, but if you want the best possible net tax refund, you need a solid strategy and tax expertise. Our partners optimize your RRSP tax refunds to keep the maximum money in your pockets.
- Financial and tax analysis of your situation
- Tax optimization and accounting advice
- Fee minimization
- Comparison of options and strategies
- And much more!
CHOOSING YOUR RRSP INVESTMENT TYPES
An RRSP is simply an investment vehicle, a container for your funds. You need to choose the investment products to maximize your savings and secure your retirement. An RRSP adviser can compare all market options with you.
- Investment advice
- Client risk profile
- Product selection and comparison
- Market performance analysis
- Conservative investments (GICs, term deposits, etc.)
- Moderate investments (diversified funds, bonds, etc.)
- High-risk investments (stocks, specialized funds, etc.)
- And much more!
- Pension adjustment factor
- Past service pension adjustment (PSPA)
- Revised pension adjustment (RPA)
- And much more!
- Financial and tax analysis of your situation
- Tax optimization and accounting advice
- Fee minimization
- Comparison of options and strategies
- And much more!
- Investment advice
- Client risk profile
- Product selection and comparison
- Market performance analysis
- Conservative investments (GICs, term deposits, etc.)
- Moderate investments (diversified funds, bonds, etc.)
- High-risk investments (stocks, specialized funds, etc.)
- And much more!
COMPREHENSIVE FINANCIAL ANALYSIS
When contributing to an RRSP, it’s important to review the client’s complete financial picture. Our partners analyze your financial situation to provide tailored advice.
- Asset analysis
- Debt and liability assessment
- Net worth calculation
- Determination of optimal RRSP investment amount
- And much more!
MAXIMIZE YOUR RRSP TO BUY A HOME (HBP)
The RRSP is the most tax-efficient vehicle when buying a home. With the Home Buyers’ Plan (HBP), you can withdraw funds tax-free from your RRSP to purchase your first home.
- HBP limit ($35,000 per person/$70,000 per couple)
- Explanation of HBP rules
- Annual RRSP withdrawals and repayments
- Tax advantages
- Home purchase using RRSP savings
- And much more!
CONTRIBUTE TO YOUR RRSP AND WITHDRAW PENALTY-FREE FOR EDUCATION (LLP)
Thinking of returning to school? The Lifelong Learning Plan (LLP) allows you to withdraw funds from your RRSP without penalties. An RRSP adviser can explain all the advantageous rules of this program.
- Returning to school
- Maximum RRSP withdrawal limit
- Repayment terms
- And much more!
- Asset analysis
- Debt and liability assessment
- Net worth calculation
- Determination of optimal RRSP investment amount
- And much more!
- HBP limit ($35,000 per person/$70,000 per couple)
- Explanation of HBP rules
- Annual RRSP withdrawals and repayments
- Tax advantages
- Home purchase using RRSP savings
- And much more!
- Returning to school
- Maximum RRSP withdrawal limit
- Repayment terms
- And much more!
TAX-FREE SAVINGS ACCOUNT (TFSA) (MIXED STRATEGY)
Contributing to an RRSP is highly advantageous, but the TFSA can also be an attractive option. An RRSP adviser can use both RRSPs and TFSAs to optimize your investment strategy.
- TFSA – 100% tax-free income
- RRSP-TFSA mixed strategy
- Maximum annual contribution limits
- Reinvestment of RRSP tax refunds
- And much more!
FOR YOUR CHILDREN'S EDUCATION (RESP)
Help your children access post-secondary education by contributing to a Registered Education Savings Plan (RESP). Our expert partners can help you understand this highly advantageous plan.
- Plan mechanics
- Major tax advantages
- Contribution limits
- Tax-sheltered income
- Contributions and government financial aid for your child
- And much more!
GENERAL FINANCIAL ADVICE FOR YOUR SITUATION
Beyond helping with your RRSP contributions, an adviser can assist with various aspects of your financial situation. Benefit from complete expertise tailored to your needs.
- Budget and financial planning
- Optimization of investments and portfolio performance
- Insurance and asset security
- Referrals to other skilled professionals
- And much more!
- TFSA – 100% tax-free income
- RRSP-TFSA mixed strategy
- Maximum annual contribution limits
- Reinvestment of RRSP tax refunds
- And much more!
- Plan mechanics
- Major tax advantages
- Contribution limits
- Tax-sheltered income
- Contributions and government financial aid for your child
- And much more!
- Budget and financial planning
- Optimization of investments and portfolio performance
- Insurance and asset security
- Referrals to other skilled professionals
- And much more!
AN RRSP ADVISER HELPS YOU KEEP MORE MONEY IN YOUR POCKETS
Optimizing your RRSP investments shouldn’t be taken lightly. Professional advice can help you gain thousands of extra dollars.
Analysis of your contribution room
Determination of optimal strategies
Contribution and reception of tax refunds
Selection of RRSP investment products
3 STEPS TO FIND YOUR RRSP ADVISER
STEP 1
Fill out the free form, detailing your situation and needs
STEP 2
Your request is sent to an RRSP adviser in your region who meets your needs
STEP 3
Your personal RRSP adviser contacts you to share their expertise
TRUST OUR RRSP PARTNER ADVISERS
TO CREATE A #1 STRATEGY FOR YOUR NEEDS
Contributing to an RRSP might seem simple, but there are numerous strategies, options, and rules to understand if you want to make wise RRSP investment decisions.
The expertise of a good adviser can make all the difference and help you achieve better tax returns. Get a needs analysis and personalized advice to see if other strategies, such as a TFSA, HBP, LLP, or RESP, could benefit you.
Don’t just rely on the promises of your bank’s agent…
Create a #1 personalized RRSP strategy tailored to your situation with one of our highly motivated and skilled partner advisers!
FINANCIAL ADVISERS SPECIALIZED IN RRSP OPTIMIZATION MOTIVATED TO HELP YOU KEEP THE MAXIMUM IN YOUR POCKETS
Strategies and solutions tailored specifically to your situation, objectives, and needs. Do you want to contribute to your RRSP but feel overwhelmed trying to figure out your actual contribution limits, how much you’ll get back, or how to make informed investments to maximize your tax returns? Our partners are here to guide you every step of the way and ensure you get 100% of your tax return potential!
get the
best return
ultra-fast
service
satisfaction
GUARANTEED
COMPAREZ VOS OPTIONS DE PLACEMENTS
Droits de cotisation, retour d’impôts optimaux, REER traditionnels et spécialisés
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