Investment Tax Planning

Investment tax planning is not just about writing the government a cheque; it can be a deeply involved process that examines many different variables.

This careful work can dramatically lower the taxes you owe. Every investment option has a tax implication, and understanding the tradeoffs between each choice is critical to maximizing your returns.

RRSP, RRIF, LIF, TFSA, JWROS, LIRA – who can make sense of this alphabet soup?

A Certified Financial Planner can help you understand your investment options, their different taxation rates, and how they fit into your overall financial strategy. The more assets you have, the more complicated this process can become. Owning a corporation, being a beneficiary of a trust, or being in a limited partnership can all affect your tax plan.

Investment tax planning is another essential service offered by our team. Not only can a Certified Financial Planner help you choose the right investment options, they can show you why some alternatives aren’t the best fit for you.

TFSA

The Tax-Free Savings Account is a registered savings account that allows taxpayers to earn investment income tax-free inside the account. Contributions to the…

RESP

Registered Education Savings Plans are registered education savings plans that grow tax-free until the child is ready for university, college or a vocational institute. The student …

RRSP

A Registered Retirement Savings Plan is a retirement plan that is registered with the federal government and that you or your spouse or common-law partner …

RDSP

Since 2011, the Registered Disability Savings Plan has been available to Canadians who qualify for the disability tax credit and offers a tremendous bonus to those …

RRSP Loans

Borrowing money to invest in an RRSP has many advantages. Besides the immediate tax refund, you also can also increase the amount that you have to invest…

Borrowing to Invest

Leveraged investing is defined as borrowing money to finance an investment. You are familiar with the concept of leverage if you’ve ever borrowed money to make additional…