REFERRAL PERKS®
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REGISTERED PLANS
A tax-smart way to invest and save.
Registered plans at a glance
Everyone has different wants and needs for their future, and many Canadians use a tax-smart registered account such as a TFSA, RRSP or FHSA. Select the plan below to learn more about the features and benefits it offers.
- Government approved investment to help Canadians save money for retirement.
- Contributions are not taxed until they are withdrawn, and savings grow tax-free.
- Unused contribution room can be carried forward and used for future years.
- Transfer your RRSP tax-free into an RRIF.
- Borrow up to $60,000 from your RRSP to be used for a down payment.
- Withdraw up to $10,000 per year from your RRSP to finance education expenses with the Lifelong Learning Plan.
Learn more:
- Government approved investment to help Canadians save money, tax-free.
- Available to Canadians upon reaching the age of majority (19 years in BC). Contribution room is cumulative..
- Offers flexibility and can be used for short-term and long-term savings goals.
- Withdrawals are non-taxable and can be made at any time without restrictions.
- Withdrawals will not affect Old Age Security, Canada Pension Plan or Guaranteed Income Supplement.
Learn more:
- Government approved investment to help Canadians save for a down payment tax-free.
- Available to first-time home buyers that are Canadian residents between the age of majority (19 years in BC) and up to 71 years.
- Annual FHSA contribution limit: $8,000 | Lifetime FHSA contribution limit: $40,000.
- Like an RRSP, contributions made to a FHSA are tax-deductible.
- As with a TFSA, no taxes are paid on withdrawals made to purchase an eligible first home.
- Can be used together with the Home Buyer's Plan on the same qualifying home purchase.
Now available from our trusted financial partner, Aviso Wealth.
- A lifetime limit of $50,000 per child can be contributed.
- The Canada Learning Bond is automatically paid into open RESP plans.
- Canada Education Savings Grant matches 20% of the first $2,500 deposit ($7,200 lifetime maximum).
- RESP funds can be withdrawn at any time while a child is attending school.
Learn more:
Now available from our trusted financial partner, Aviso Wealth.
- Earnings accumulate tax-free.
- The Canada Disability Savings Bond is automatically paid into qualifying RDSP accounts if the beneficiary’s family income is less than $45,916.
- Maximum bond per year is $1,000 ($20,000 lifetime maximum; prorated).
- Additional grants and matching programs may be available.
- Withdraw income during retirement after the age of 71.
- A minimum annual withdrawal is required but there is no maximum.
- Can be set up at any age (you don’t have to wait until 71), letting you defer tax while your money grows.
- Flexible payment options allow you to vary income based on your retirement needs.
Learn more:
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.
GET EXPERT ADVICE
Good advice starts with a conversation about your unique situation. We’ll work with you to understand your overall investment strategy and make recommendations on the right mix of investment solutions for your financial goals.
Book an appointment with an advisor today.
Use our handy calculators to help you plan
Determine the amount you need to save to retire your way. By flagging any shortfalls or surpluses early, you’ll be able to adjust your retirement plan accordingly.
Build a long-term plan to save for your children's education. Use this calculator to develop your education savings plan and set up your children for success.
Find out just how much you can be saving by investing in a TFSA. This calculator shows you the benefits of growing your savings in a tax-sheltered account.
With this calculator, calculate how long your RRIF will last, your minimum withdrawals, as well as your payment options based on the length of your investments.
Meet with us
Speak to an advisor on the phone or at a branch.
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