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Registered Plans

Save on taxes, plan and prepare for everything from education to retirement.

​Options to Suit You

Risk taker? Play it closer to the vest? We’ve got the registered investment products for you.

​Pay Less Tax

The best way to lower your payable taxes or increase your return.

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​Save For Tomorrow

Invest your money into your future or your kids’ future. 


Choosing your registered plan is just the start

When choosing which registered plan is right for you, you need to know that there’s many different investment options within each of these plans. Term deposits, savings accounts, mutual funds and even stocks and bonds. We’re here to help make the best financial decisions for your goals.



Tax Free Savings Account (TFSA).

A great tool for both long-term and short-term investing, allowing you to save for virtually any purpose without paying taxes on the interest you earn or capital gains.

Key information

• Withdraw at any time.
• Your funds grow tax-free.
• Unused contribution room can be carried forward to use in future years.
• You may have multiple TFSAs.
• You are responsible for ensuring that your contribution room has not been exceeded. Should you over contribute, you will be subject to a 1% tax per month on the over contributed amount until it's withdrawn.

Read more about TFSAs 



Registered Retirement Savings Plan (RRSP)

Save on tax now while preparing for your retirement by investing your money when you can most afford it, and while your taxable income is highest, to build up a comfortable retirement fund where your taxable income will likely be much lower.

Key information

• Save money for the future, while getting a tax break today.
• Your funds grow tax-sheltered.
• Can set-up pre-authorized savings plans to regularly contribute to your RRSP.

Read more about RRSPs



Registered Retirement Income Fund (RRIF)


Similar to a Registered Retirement Savings Plan (RRSP), with the exception that you must take some taxable payments from the RRIF. It’s a popular option because it gives income flexibility while allowing your savings to remain tax sheltered and under your personal control.

Key information

• Can only be funded by a transfer of assets from RRSPs or other RRIFs you control.
• Your funds grow tax-sheltered.
• Gives you a significant amount of flexibility in structuring your retirement income plans.

Read more about RRIFs



Registered Education Plan (RESP)


Sometimes best laid plans do work out. An RESP is one of those plans, as you’ll be taking advantage of many perks to help your kids with their post-secondary journey.

Key information

• Invest up to $50,000 to pay for a child's post-secondary education
• Your child can use the money for full-time or part-time studies in an apprenticeship program, trade school, college or university.
• Many government grants are available to add to the funds in your child’s RESP.

Read more about RESPs



Registered Disability Savings Plan (RDSP)

A savings plan to help give financial security for people with disabilities. Tax-sheltered and supplemented with government grants, to grow your savings.

Key information

• Designed to help parents and others save for the long-term financial security of a person with a disability.
• Up to $200,000 can be invested on behalf of the beneficiary. 
• For every $1 invested, the federal government can match with up to $3 through the Canada Disability Savings Grant.
• For those who qualify, the federal government will put in $1000 each year for 20 years through the Canada Disability Savings Bond. Others may be able to get a partial bond. 
• Provincial and Federal benefits are not impacted.

Read more about RDSPs


First Home Savings Account (FHSA) - Coming Soon!

A savings tool to help you save for the down payment for the purchase of your first home. 

Key information

• Contributions are tax deductible like an RRSP. 
• Contributions are tax sheltered like a TFSA.
• You can contribute $8,000 per year and unused contribution room will carry forward to the next year. 

Read more about FHSAs

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Want More

We provide access to mutual funds, Qtrade Direct InvestingTM and Qtrade Guided PortfoliosTM and the guidance to help you grow, protect and get the most out of your money.

Check Out Financial Planning

Mutual funds are offered through Qtrade Asset Management (a tradename of Credential Asset Management Inc). Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade Guided Portfolios, Qtrade and Qtrade Direct Investing are trade names and/or trademarks of Aviso Wealth.


Need a Little Extra Guidance?

We’re here to help you make the decision for your finances and your future. We work with you to make your dreams a reality.  




​RRSP Calculator


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