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Registered Investment Services

Secure Your Future with Expert Guidance

Investing in your future has never been easier. Our Registered Investment Services provide tailored solutions to grow your wealth, reduce taxes, and ensure financial stability. Whether you’re saving for retirement, education, or other goals, we’re here to guide you with confidence and expertise.

Why Choose Our Registered Investment Services?

  • Expert Financial Advisors: Customized strategies aligned with your financial goals.
  • Tax-Advantaged Accounts: Maximize tax benefits and keep more of your earnings.
  • Personalized Plans: Tailored solutions based on your needs, risk tolerance, and objectives.
  • Transparency: Clear insights into investments, fees, and returns.
  • Ongoing Support: Regular updates and advice to keep your portfolio on track.

What Are Registered Investments?

Registered investments are savings and investment accounts that provide tax advantages under Canadian law. They help individuals save for specific goals, such as retirement, education, or disability support.

Popular Registered Investment Options:

  1. RRSP (Registered Retirement Savings Plan): Save for retirement while reducing taxable income; grow contributions tax-deferred.
  2. TFSA (Tax-Free Savings Account): Grow investments tax-free and withdraw funds penalty-free.
  3. RESP (Registered Education Savings Plan): Save for education with government grants and tax-sheltered growth.
  4. RDSP (Registered Disability Savings Plan): Long-term savings for individuals with disabilities, with grants and bonds.
  5. LIRA (Locked-In Retirement Account): Preserve pension funds for retirement use.

Our Services Include

1. Strategic Investment Planning

  • Assess your financial situation, goals, and risk tolerance.
  • Develop a strategy focusing on growth, income, or both.

2. Account Setup & Management

  • Assistance with opening RRSPs, TFSAs, RESPs, and more.
  • Manage contributions, withdrawals, and transfers seamlessly.

3. Tax Optimization

  • Maximize tax savings with strategic contributions and withdrawals.
  • Ensure compliance with contribution limits to avoid penalties.

4. Portfolio Diversification

  • Invest in stocks, bonds, ETFs, and mutual funds to balance risk and returns.

5. Monitoring & Adjustments

  • Regular reviews and adjustments based on market conditions or priorities.

6. Government Grants & Incentives

  • Maximize benefits like CESG (RESP) or CDSG (RDSP).

Benefits of Registered Investments

  • Tax Advantages: Enjoy tax-free growth or tax-deferred savings, depending on the account.
  • Wealth Growth: Compound savings over time through disciplined contributions and investments.
  • Goal-Oriented Savings: Achieve financial milestones, such as retirement or education funding.
  • Government Support: Access grants and bonds that boost your savings.

How to Get Started:

  1. Schedule a Consultation: Call us or book a meeting online to discuss your goals.
  2. Assess Your Needs: We’ll recommend the best registered accounts for your situation.
  3. Set Up Your Account: Our team will guide you through the registration process.
  4. Contribute & Invest: Begin growing your wealth with professionally managed investments.
  5. Track & Adjust: Enjoy peace of mind knowing your portfolio is monitored regularly.

Why Act Now?

The earlier you start, the more time your money has to grow. Maximize tax savings and take advantage of government grants today!

How Registered Investments Provide Tax Advantages

Registered investments in Canada offer significant tax benefits, allowing you to save more effectively and grow your wealth over time.

RRSP (Tax-Deferred Savings)

  • Tax-Deferred Growth: No taxes on gains until withdrawal.
  • Tax-Deductible Contributions: Reduce taxable income.
  • Lower Tax Impact: Withdrawals in retirement are often taxed at a lower rate.

TFSA (Tax-Free Growth)

  • No Taxes on Earnings: Grow investments tax-free.
  • Flexible Withdrawals: Withdraw funds without penalties or taxes.

RESP (Education Savings with Grants)

  • Tax-Sheltered Growth: Contributions grow tax-free.
  • Government Grants: Up to 20% added to contributions (limits apply).
  • Low-Tax Withdrawals: Funds taxed in the student’s hands at a low rate.

RDSP (Registered Disability Savings Plan)

  • Tax-Deferred Growth: Earnings grow tax-free until withdrawal.
  • Government Support: Grants and bonds can significantly boost savings.

LIRA (Locked-In Retirement Account)

  • Tax-Deferred Growth: Preserve and grow pension funds tax-free.
  • Lower Tax at Withdrawal: Pay taxes at a lower retirement income rate.

Example Scenarios:

RRSP (Tax-Deferred Savings)

  • John’s Income: $80,000/year
  • RRSP Contribution: $10,000
  • Taxable Income After Contribution: $70,000
  • Immediate Tax Savings: $3,000
  • Long-Term Advantage: Contributions grow tax-deferred until retirement.

TFSA (Tax-Free Growth)

  • Investment: $10,000 at 6% annual return for 20 years
  • Total Growth: $32,071 (tax-free in TFSA) vs. ~$27,000 (taxed in non-registered accounts).

RESP (Education Savings)

  • Contributions: $2,500/year for 10 years
  • CESG (Grants): $500/year
  • Total Value After 10 Years: $38,000 (tax-free growth + grants).

Contact Us to Start Your Registered Investment Journey

Secure your financial future with confidence. Call us today to schedule a consultation!

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Can4 Tax & Accounting Inc.