Retirement income planning – RRIFs

A common and very practical option for drawing income from your RRSP accumulations is the RRIF. There are a number of advantages to RRIFs: You can employ a fairly large variety of income options. Within certain limits, you can change the amount of income you draw.... read more

Employee benefit plans

What are they? Employee benefits, sometimes referred to as “benefits in kind,” “perks,” “incentives” or “fringe benefits,” consist of any grouping of non-wage compensation provided by employers to their employees. Advantages Employers are not required to provide... read more

Disability income planning – Powers of attorney

The importance of a power of attorney   Who will make decisions for you in the event that a prolonged mental disability prevents you from making them? With a power of attorney, you can assign those responsibilities to someone you trust will act as you would have.... read more

Canada Education Savings Grant (CESG)

The Canada Education Savings Grant (CESG) is deposited to the RESP directly by the Government of Canada. The amount that will be deposited is as follows: While you may contribute any amount to the RESP in any given year (subject to the lifetime maximum of $50,000),... read more

The Canada Learning Bond (CLB)

  The Canada Learning Bond (CLB) is a grant given by the Government of Canada to assist families to save for children’s education. The grant will consist of $500 deposited into the RESP in the 1st year, plus $25 to help cover the cost of opening an RESP, and an... read more

Registered education savings plans (RESPs)

The rising costs of education make such plans as the Registered Education Savings Plans (RESP), in combination with the Canada Education Savings Grant (CESG), and their tax advantaged nature a must for most parents to consider for their children. Funds accumulated in... read more

Budget counselling and planning

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