Our investment process uses a thoughtful and disciplined approach to make your money work for you in the best possible way – both for cash flow today and growth for future financial security.
Tax Free Savings Account (TFSA)
Registered Disability Savings Plan (RDSP)
RDSPs are the best kept secret in Canada! It is a registered plan to help individuals with disabilities achieve long-term financial security. Qualified individuals may be eligible for government-free bonds and matching grants up to $90,000 until age 49.
Savings grow tax-free and withdrawals at age 60 are taxable on bond and grant growth. Contributions are not tax-deductible.
Registered Retirement Savings Plan (RRSP)
The purpose of an RRSP is to save for retirement. Contributions are tax-deductible and savings grow tax-free.
When you retire, your RRSP will convert into a RRIF, RRIF payments are taxable.
You can also borrow from your RRSP to buy your first home or pay for education.
Non Registered Investments
Non-Registered investments are subject to tax.
The contributions are not tax-deductible and any interest or dividend earned is taxed. Capital gains are taxed when they are realized. Investment income is taxed as it is earned but withdrawals are not.
You can invest in mutual funds, exchange-traded funds, stocks, bonds, GICs, segregated funds and other products.
Registered Education Savings Plan (RESP)
RESPs are dedicated registered plans to save for your child’s post-secondary education. Contributions, while not tax deductible, are matched by the government to a yearly maximum.
Savings grow tax-free and educational withdrawals are taxed at the child’s tax rate at the time of withdrawal.
Other investments can include real estate such as rental property or vacation homes, gold, silver, cryptocurrency, art, collectibles, your own business and other businesses.
Although we don't provide advice on other types of investments, we think that's important to be aware of these options in case they fit your overall financial strategy.
My husband and I had never embarked on working with a financial advisor prior to working with Nancy. We had a lot of hesitation and reservations about what the whole process might look like. Upon meeting Nancy- she made us feel super comfortable and at ease.
Since working with her, our finances have shifted dramatically and, still, we feel totally at ease being upfront about whatever our current situation is and she continues to deliver appropriate helpful advice no matter the income level.
She has transformed our approach to our finances and opened our eyes to what possibilities are available to us now and in the future and helped us plan to make those possibilities a reality.
How We Work Together
1. LET'S TALK
Let’s talk about what matters most to you. Your dreams and goals.
2. GET A PLAN
We craft a customized plan for you.
3. FINANCIAL WELLNESS
Enjoy the benefits of financial wellness.