Planning For Your Future

You’re thinking about your future… and you may be wondering whether you should focus on reducing your debt or contribute to an RRSP. Perhaps you already contribute and wonder if a TFSA is right for you. Or perhaps you have multiple RRSPs with past employers and struggle with managing multiple statements come tax season. Ever wonder if diversifying your investments is really working to your benefit?

No matter what question you have, our focused approach can make a big difference for your future. It could get you on track for the kind of retirement you really want. Just like the Willets. By taking the time to understand their goals, dreams and realities, their credit union was able to provide guidance on which investment products and services they needed, and now they are on track to saving an extra $80,000 toward their worry-free future. What can a second look at your retirement plan do for you? We’re here to help you focus on the big picture – to save for what really matters.

Contact us today to see what our focused approach can do for you. No obligation, no strings. Just sound advice from our financial professionals who are focused on you and your needs.

Expert Articles

Whether you’re just getting started, or fully engaged in your quest for more information, our expert articles will help shed light on your RRSP questions.

Save Smarter—Should you choose a TSFA or RRSP?
So you want to save for retirement. Or a home. Or a rainy day. There are many ways you can save money, and in a sock under the bed probably isn’t the best nor most secure. A tax-free savings account (TSFA) or registered retirement savings plan (RRSP) are decidedly better options. But between the two, what’s the better option for you? Learn more.

Make saving simple by consolidating your RRSPs
Saving for retirement is smart—no question about that. But as people change jobs, often they end up with multiple RRSP accounts at different institutions. While it’s good to have diversified savings, multiple RRSPs are not necessarily the best way to save for the future. In fact, it could be costing you. Learn more.

Questions To Ask Yourself NOW About Retirement
Haven’t started your retirement planning? You’re not the only one. You have priorities, and retirement seems so far away it tends to be the first to be moved down the list. But if you don’t know what kind of future you want, how do you know you’ll be able to save enough to get there? Learn more.

RRSPs – Are They Right For Me?
RRSPs are not right for everyone. Not what you expected to hear, right? Well, it’s true. However you should consider all the facts before you make a decision. Learn more. 

Increased TFSA Contribution Room – Benefits To You
During 2015 there was a change to the amount Canadians can contribute to TFSAs.  The change allows Canadians to contribute an additional $4500 to a TFSA increasing the annual contribution limit to $10,000 for 2015. Contributing to a TFSA may now be the best savings planning option for you. Learn more. 

Changes To The Canada Pension Plan – How Will It Affect Me?
The changes to the CPP that will be implemented from 2011 – 2016 will affect your retirement planning, including when you decide to apply for your CPP retirement pension. How the changes to the CPP affect you will depend on your age, work history and when you plan to retire. Learn more.

Want To Make Saving For RRSPs Easier And More Manageable?
Are you getting the most out of your RRSP plan? Do you find it difficult to make saving a priority? Our lives are not slowing down anytime soon. Find out how to make saving for RRSP contributions easier to manage.  Learn more.

How Can An RRSP Loan Help You Maximize Your RRSP Contribution?
Have you taken advantage of your full contribution limit? RRSP loans can help you make your savings work for you now and grow your savings faster – a win-win. Learn more. 

Programs That Can Help You Make The Most Of Your RRSPs
Two programs allow you to use your RRSPs to benefit your future by helping to finance your first home, or pay for training or education. Learn more.

What You Need To Know About Your RRSP
When creating your RRSP plan, there are a few considerations you should understand to avoid any surprises in future years. Do you fully understand the tax fact? What about short-term versus long-term investing? Learn more. 

Taking Another Look – Why It’s Important To Revisit Your Retirement Plan At Different Life Stages
No matter where you are on the road to retirement, it’s important to reassess your retirement savings plan to see if by making changes, you could be saving more, faster. Life is busy and it’s difficult to make time, but just as quickly as life changes, you’re closer to retirement than you may be ready for. Learn more.

Most Frequently Asked Questions About RRSPs
Get an overview of everything to do with your RRSPs. Learn more.