



'I Want To Be A
Homeowner'
Coaching Pacakge
How do I save for my first house? Should I focus on paying down debt or saving for a down payment? Is it even possible? How much do I really need? How much can I purchase? These are the questions many people have when wanting to become a homeowner. We can help you attain homeownership faster and with less stress.

Retirement Planning - How Can We Help?
Retirement savings plans offer financial planning solutions to help contribute to your nest egg with careful planning so you can tap into your personal savings after your 65th birthday regardless of the market conditions. Our financial advisors deliver investment advice to help you meet financial goals at any stage of retirement planning.
Choosing The Right Plan For Retirement
Our professional advisor can help a family with children or a family without children choose the right retirement savings plans. We can also provide investment advice to individuals looking to maximize their net worth potential. Our goal is to deliver personalized service based on your stage of retirement planning maintaining complete legal and professional confidentiality at all times.

The Different Types of Retirement Savings PlansCanadian individuals and even families can plan for retirement using several retirement savings plans to manage their cost of living, as well as, save up for benefits after retirement.

Registered Retirement Savings Plan (RRSP)
The RRSP financial plan is a personal savings and investment account registered with the government service without a tax bracket. Equity investments, bond investments, mutual funds, treasury bills, and life annuity investments are just some of the investment instruments of an RRSP. Contribution limits are set by the Canada Revenue Agency (CRA) based on your annual income limits. Besides the retirement benefits, you will also get annual tax deductions based on the contributions made to the RRSP.

Canada Pension Plan (CPP)
The CPP is a government pension plan designed by the government in 1966. The government benefits for the contribution plan start from your 65th birthday. But you can choose to avail of the retirement benefits from the contribution plan earlier than the retirement age or delay it based on the total amount of contributions you have made. If you take your benefits before 65, you will receive a reduced CPP, however if you delay past 65 - up until age 70, your CPP will increase.

Tax-Free Savings Account (TFSA)
A TFSA is an investment account for Canadians above the age of 18 with no tax deductions at withdrawal. There are many different investment products to choose from for a TFSA. There are annual contribution limits to the account based on the Canada Revenue Agency (CRA) and the annual contribution limit for 2021 is $6,000. The total contribution limits are up to $75,500 if you have been over the age of 18 since 2009. This is an ideal plan for individuals looking to have reached their RRSP contribution limit, or have a low income.

Old Age Security (OAS) Pension
Canadian citizens and legal residents past their 65th birthday can enjoy government pensions based on how long they have lived in Canada after their 18 birthday. The exact amount of government pensions they can receive each month depends on the period of time they have lived in Canada after turning 18. People who have lived in Canada for 40 or more years can avail the full monthly benefits after retirement. OAS can be delayed until age 70, providing a larger benefit, and can also decrease if you pass the annual recovery tax threshold.
Our Pre-Retirement Package Includes
Our financial planning services provide retirement guides to minimize the level of risk to your source of retirement income while maintaining the highest standards of living.
What's Included
Full Package
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How to minimize your tax deductions and preserve your primary source of retirement income
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How to maximize your income in retirement
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Details on when to take your Canada pension plan and old age security
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How to pay down your debt
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Selecting real estate for housing costs for the normal retirement housing tenure
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How and when to withdraw from RRSPs, TFSAs, Mutual Funds, and other investments
Retirement Coaching Services
For Canadians
After all, retirement is inevitable, so building a foundation from an early age is logically the safest and most effective way of ensuring a healthy and wealthy retirement. Proudly providing financial advisory services for Individuals in Halifax, Moncton, Toronto, Calgary, Vancouver, and all across Canada