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What is TFSA? A TFSA allows you to set money aside in eligible investments and watch those savings grow tax-free throughout your lifetime. Interest, dividends, and capital gains earned in a TFSA are tax-free for life. Your TFSA savings can be withdrawn from your account at any time, for any reason1, and all withdrawals are tax-free. […]

What is RRSPs & RIFs? A Registered Retirement Savings Plan (RRSP) is a tax-free savings vehicle that drives a comfortable retirement in your golden years. A Registered Retirement Investment Fund (RRIF) is an extension of an RRSP. The year that you turn 71, you must withdraw the money from your RRSP. Types of RRSPs & RIFs Spousal RRSP The […]

What is Locked-In Plans? Locked-in plans are when employers and employees’ vested contributions and interest are transferred into a Registered Retirement Savings Plan until the investor reaches a specific age (anywhere from age 50 to 70) depending on the pension legislation applicable to your plan. Types of Locked-In Plans Pre-retirement locked-in plans Pre-retirement locked-in plans are considered […]

What is Children Plan? A child plan is a tailor-made investment cum insurance option to meet the financial needs of a child. The insurance component is designed to protect the child from unfortunate events such as the demise of the parent wherein the child gets a fixed annual payment in case such an event occurs. […]

What is Retirement Plan? Retirement planning is the process of setting retirement income goals, and the actions and decisions needed to achieve those goals. Retirement planning involves identifying sources of income, shaping expenses, implementing a savings program, and managing assets and risk. Types of Retirement Plans Employment based Retirement Plans When you’re in employment, some […]

What is Health Insurance? A health insurance policy covers medical expenses for illnesses or injuries.  Due to the high cost of hospitalization expenses, it is important to have a health insurance plan in place.  Having health insurance can keep you from incurring medical bills you can’t afford to pay out of pocket. Types of Health […]

What is Life Insurance? A life insurance plan is a contract between an insurance policyholder and an insurance company, where the insurer promises to pay a sum of money in exchange for a premium after a set period or upon the death of an insured person. Life insurance offers you and your family financial protection. […]

What is Home Insurance? Home Insurance, also known as Homeowners Insurance, is a form of property insurance that covers losses and damages to an individual’s residence, along with furnishings and other assets in the home. Home Insurance will provide you cover against any ‘Acts of God’. Types of Home Insurance Comprehensive Home Insurance Under Comprehensive […]

What is Business Insurance? The purpose of insurance is to help protect your business from these risks. Business insurance helps protect your business’ financial assets, intellectual and physical property from: Lawsuits. Property damage. Types of Business Insurance General liability insurance Business owners purchase general liability insurance to cover legal impediments due to accidents, injuries and negligence […]

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