Locked-In Registered Plans

Locked-In Registered Plans
Locked-In Registered Plans

RRSPs - Make Your Money Work as Hard as You Do

RRSPs - Make Your Money Work as Hard as You Do
RRSPs - Make Your Money Work as Hard as You Do

RRSPs: Savings Tips & Strategies

RRSPs: Savings Tips & Strategies
RRIFs: Your RRSP Maturity Options

RRSPs - Making Your Money Work as Hard as You Do

RRSPs - Making Your Money Work as Hard as You Do
RRSPs - Making Your Money Work as Hard as You Do

Retirement Planning

Retirement Planning
Retirement Planning

Consider Self-Employment In Retirement

Consider Self-Employment In Retirement
Consider Self-Employment In Retirement

Maximizing Retirement Income

Maximizing Retirement Income
Maximizing Retirement Income

LIRAs, LIFs, LRIFs & P-RRIFs

LIRAs, LIFs, LRIFs & P-RRIFs
LIRAs, LIFs, LRIFs & P-RRIFs

Maximize your Retirement Income

Maximize your Retirement Income
Maximize your Retirement Income

RRSP Rules

RRSP Rules
RRSP Rules

RRSP Withdrawals

RRSP Withdrawals
RRSP Withdrawals

RRIFs - Tips and considerations

A RRIF is very much like an RRSP in reverse. An RRSP is an account designed to help you save for retirement – a RRIF is an account designed to provide annual income in the form of withdrawals from a registered plan during your retirement.
RRIFs - Tips and considerations

Understanding the Basic RRSP Rules

Investing in a Registered Retirement Savings Plan (“RRSP”) is one of the soundest ways to ensure you enjoy a financially secure retirement. In order to maximize the benefits of an RRSP, it’s important to have a basic understanding of the rules that govern them.
Understanding the Basic RRSP Rules

Guide to Registered Plan Accounts

We are committed to helping you reach your financial objectives. Whether you are buying your first home or considering your retirement investment choices, there are registered plans and services that can help you save for your goals on a tax assisted basis. This guide provides an overview of the benefits of registered plans and how they fit into your financial situation.
Guide to Registered Plan Accounts

Strategies for Your Retirement Savings Plan

A formalized savings plan that uses a registered plan, such as a Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA) or a Registered Retirement Income Fund (RRIF), is one of the soundest ways to realize your retirement goals. Here are some strategies you can use to maximize the benefits of your RRSP, TFSA and RRIF.
Strategies for Your Retirement Savings Plan

RRIF Payout Schedule

The RRIF Payout Schedule
RRIF Payout Schedule

Locked In Retirement Accounts

The locking-in of pension benefits is an important concept. Pension regulations are designed to ensure that the pension benefits promised by an employer are available at the employee’s retirement date and that the accumulated pension funds are used to provide a lifetime retirement income for the employee. In response to the growing demand for more flexibility, many provinces, as well as the Federal government, have amended their pension acts to allow additional maturity options.
Locked In Retirement Accounts

Collecting the CPP

Here are some general considerations to keep in mind when deciding what age to start collecting the CPP retirement benefit and determining how much it will be.
Collecting the CPP

Planning for certain risks in retirement

While your retirement date may still be several years off, and the goals you set today may seem even further off, it is never too early to begin preparation.
Planning for certain risks in retirement

Checklist - Less than 2 years to retirement

Transition into retirement with confidence. As you transition into retirement, keep in mind your income could come from multiple sources at different times of the month. You’ll need to know where that income will come from, how much you’ll receive, and when you’ll receive it. Before you retire, you’ll need to complete a variety of employer and government forms. This checklist will help you move into your retirement seamlessly.
Checklist - Less than 2 years to retirement

Checklist - Between 2 and 10 years to retirement

A clear path to retirement requires a clear plan. If retirement is now on the horizon and no longer a distant goal, you’ll want to make sure preparing for it is a priority. Using this time to continue to save and build your assets, while paying off outstanding debt can really make a difference. This is also the perfect time to put some serious thought into what your retirement will look like. This checklist will help you do just that.
Checklist - Between 2 and 10 years to retirement

Checklist - More than 10 years to retirement

Prepare now to retire well later.
Checklist - More than 10 years to retirement

Retirement Expense Worksheet

As you plan for your retirement, it is critical to consider your current expenses as well as your future expenses.
Retirement Expense Worksheet