Investment Planning

REGISTERED EDUCATION SAVINGS PLAN [RESP]

An RESP is a dedicated savings plan for post-secondary education.

Saving for your child’s or your grandchild’s future is even more important now that post-secondary education costs are on the rise. RESPs offer a helpful way to maximize the money available to your children or grandchildren upon enrollment in a full-time post-secondary program. Although contributions aren’t tax-deductible, the money in the plan grows tax-free until its withdrawn.

More information about RESPs and available grants can be found on the Government of Canada website.


REGISTERED RETIREMENT SAVINGS PLAN [RRSP]

An RRSP is a savings account that has a unique tax structure allowing you to defer paying income tax on your RRSP deposits until the money is withdrawn.

RRSP‬ season always begins on January 1 and lasts for the first 60 days of the year.

RRSPs are the cornerstone of retirement planning for most Canadians and DID YOU KNOW our federal government introduced them in 1957 to encourage saving for retirement. One of the most important things you need to decide when saving for retirement if how much money you’ll need to live on when the time comes.

We have the tools to help you build a portfolio and can advise you on the different plans available as well as contribution limit. It is our job to help you meet your education/retirement goals!

16 Midlake Blvd, Suite 319
Calgary, AB
T2X 2X7

Phone: 403.238.0238

Email: roy@freebornfinancial.com