Investment Planning

Grow your savings with a plan that fits.

The right registered accounts reduce tax and accelerate your goals, whether that is a first home, your children’s education or retirement.

Core Benefits

The right account for every goal.

Each registered account solves a different problem. Use them together for a complete plan.

Tax-free growth on savings and investments, with withdrawals anytime.

Save for a first home. Tax-deductible saving in, tax-free coming out.

Reduce today’s income tax while building retirement savings.

Grow education savings and collect government grants for your children.

Account Comparison

Each registered account is built for a different job. Most complete plans use more than one.

TFSA

Contributions are not deductible, but growth and withdrawals are completely tax-free. Best for goals at any stage.

FHSA

Deductible going in and tax-free coming out when used for a qualifying first home. The strongest account for new buyers.

RRSP

Contributions reduce today's taxable income and grow tax-deferred until withdrawal, usually in retirement at a lower rate.

RESP

Grows tax-deferred for a child's education and attracts government grants that add to every contribution.

Common Questions

Which account should I start with?

It depends on the goal. First home: FHSA. Retirement: RRSP. Flexibility: TFSA. Children's education: RESP. Dev maps the accounts to your priorities.

Can insurance and investing work together?

Yes. Protection keeps your plan safe if life goes wrong, while investments grow it. Dev builds both into one coordinated strategy.

Is there a minimum amount to start?

Most accounts can start small with regular contributions. What matters is starting, and setting an amount your budget can maintain.

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