Saving for a project, preparing for your children’s education, considering a first home or planning your retirement: Willy Paulin helps you understand the possible solutions.
Plans and solutions
Your goals, your time horizon, your responsibilities and your personal situation shape the options. Willy takes the time to discuss your priorities.
Savings intended mainly for retirement. Eligible contributions can generally be deducted from taxable income within the applicable limits; withdrawals are usually taxable.
A TFSA can hold qualified investments whose income and withdrawals are generally tax-free. It can be used for different time frames and projects.
The FHSA is designed to help eligible individuals save to buy a first home. Eligibility and the contribution and withdrawal rules must be checked.
An RESP lets you build savings for post-secondary education. Some government incentives may apply according to the rules.
A RRIF provides income, notably from amounts transferred from an RRSP, with minimum withdrawals and tax consequences. A LIF applies to certain locked-in retirement funds and follows specific rules. Annuities can help structure some future income according to their contracts.
Segregated funds are investments tied to insurance contracts; some guarantees may exist depending on the contracts. Risks, fees, exclusions and conditions must be reviewed. Their distribution must comply with the applicable authorizations.
Our approach
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Contributions and withdrawals are not taxed the same way.
Yes, as long as the eligibility conditions and limits are met.
It is for people who qualify under the first-time buyer criteria.
The funds involved and the applicable rules differ.
No; any guarantees are contractual and conditional.
Yes, the first consultation is free of charge.