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WE ARE DEDICATED TO MOVE PAST THE TRADITIONAL VIEWS OF THE FINANCIAL INDUSTRY.

We will consider all aspects of your life and then create a portfolio to fit your needs.  

We have spent countless hours educating ourselves and building relationships with the investment firms we work with. Our boutique approach means we don't just sell what's new, we work with tried and tested companies.

We believe it's important to help you navigate the investment landscape while safe guarding your wealth and growing your assets. We are happy to support companies like Canoe Financial, Edgepoint, IA Clarington, AGF, Sentry, CI Investments, Franklin Templeton, Fidelity, Mackenzie Investments and Invesco. Our diversity within these companies will help us as we work to find the investment vehicles to fit your needs.

RRSP

To fund their retirement, RRSP holders must change the registration from RRSPs to RRIF by age 71. The RRIF will then pay out a minimum amount each year to the holder of the RRIF. There is no maximum on the amount that you can take. This is a great tool when planning for retirement income.

TFSA

The Tax Free Savings Account (TFSA) is an account that provides tax benefits for saving in Canada. Contributions to a TFSA are not deductible for income tax purposes. Even investment income, including capital gains, earned in a TFSA are not taxed, even when withdrawn.
Introduced by the federal government in 2009, this is a fantastic tool to help retirees have more income without increasing their taxes.

RRIF

A Registered Retirement Savings Plan, or a RRSP, is an account that provides tax benefits for saving for retirement in Canada. RRSP refers to a provision in the Income Tax Act that allows a person to shelter financial property from taxes until withdrawl.

​​​RESP

A RESP is a Registered Education Savings Plan. With the help of an RESP you, as a parent, friend or family member, can start putting aside money for a child's post-secondary education. The contributions can grow quickly when you use this special savings account, as the Government of Canada offers the Canada Education Savings Grant and the Canada Learning Bond exclusively to RESP subscribers.

​​​RDSP

A Registered Disability Savings program is designed to enable individuals with disabilities to build wealth and receive matching federal bonds and grants.
If you or anyone you know have a disability, then this program is a must to help save for their future.
CRA can match up to 300% in bonds and grants for eligible clients in the RDSPs.

Non-Registered

A type of investment account that allows Canadian citizens to save money for the long term. Non-registered accounts only tax the capital gains realized inside the account at 50% of the accountholder's top marginal tax rate. Dividends are taxed at reduced a rate, and interested is taxed fully at your marginal rate. And unlike RRSPs or TFSA non-registered accounts have no contribution limits​​.