Service Description

At 𝐓𝐞𝐧𝐚𝐜𝐢𝐨𝐮𝐬 𝐖𝐞𝐚𝐥𝐭𝐡, we create tailored strategies to grow & protect your wealth. Each plan fits your goals, needs, and risk tolerance—helping you build long-term financial success in Canada while minimizing risks & taxes. 1. 𝐑𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐏𝐥𝐚𝐧 (𝐑𝐑𝐒𝐏) RRSPs are tax-deferred accounts designed to help you save for retirement. Contributions are deductible from your taxable income, and investments grow tax-free until withdrawal, allowing for compounded growth over time. 2. 𝐓𝐚𝐱-𝐅𝐫𝐞𝐞 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 (𝐓𝐅𝐒𝐀) TFSAs allow your investments to grow tax-free, and withdrawals are completely tax-free as well. They provide flexible, accessible savings for short- or long-term goals without affecting government benefits. 3. 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 (𝐅𝐇𝐒𝐀) The FHSA helps first-time homebuyers save for a home with tax-free contributions and withdrawals. It combines the benefits of RRSPs and TFSAs, allowing your savings to grow efficiently while preparing for your first home purchase. 4. 𝐑𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐄𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐏𝐥𝐚𝐧 (𝐑𝐄𝐒𝐏) RESPs are designed to save for a child’s education. Contributions grow tax-free, and the government adds grants to boost savings, creating a powerful tool for funding post-secondary education. 5. 𝐂𝐨𝐫𝐩𝐨𝐫𝐚𝐭𝐞-𝐎𝐰𝐧𝐞𝐝 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 For business owners, corporate-owned life insurance, critical illness & disability policies provide risk protection while building cash value within the corporation. These strategies can fund succession planning, reduce corporate taxes & provide liquidity for buy-sell agreements. 6. 𝐍𝐨𝐧-𝐑𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐬 These accounts offer flexibility without contribution limits. Investments grow based on market performance, and you have full access to your funds. They are ideal for long-term wealth accumulation and diversification. 7. 𝐋𝐢𝐟𝐞, 𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐈𝐥𝐥𝐧𝐞𝐬𝐬, 𝐚𝐧𝐝 𝐃𝐢𝐬𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 Insurance is a key wealth-building vehicle. Permanent life insurance policies accumulate cash value, critical illness coverage provides tax-free lump sums, and disability insurance protects your income, ensuring your financial goals stay on track even in unexpected circumstances. Our approach is personalized and proactive, helping you build wealth, safeguard your future, and achieve your financial goals.