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Learn more about RRSPs, RESPs, Life Insurance, Investments, and more
RRSPs
Registered Retirement Savings Plans
What they are:
An RRSP (Registered Retirement Savings Plan) is a retirement savings account available to Canadians. It allows you to contribute a portion of your income and defer paying taxes on that money until you withdraw it in retirement.
Who needs them:
Everyone! As soon as you enter the workforce, you should be thinking about saving for retirement.
How Calvin helps:
Many people are unsure of where or how their RRSPs are invested—they simply know they have them and hope they’re performing well.
As a financial professional, I specialize in optimizing RRSP investments. I’ll conduct a thorough review of your portfolio to assess its current performance. If your investments are strong, I’ll confirm that. If there’s a better opportunity, I’ll show you the options available to enhance your returns.
RESPs
Registered Education Savings Plans
What they are:
An RESP (Registered Education Savings Plan) is a savings account in Canada designed to help parents (or others) save for a child’s post-secondary education by investing money in tax-deferred accounts and receiving up to $500 per year per child in free grant money.
Who needs them:
Parents who want to help provide for their kids.
How Calvin helps:
I can help you set up new RESP accounts, maximize your returns, review your current investments, and consolidate your registered accounts into one clear, easy-to-manage portfolio.
Life Insurance
Critical Illness, Disability, Accidental Death Insurance & more
What they are:
Life insurance is a contract between you and an insurance company. You pay regular premiums, and in exchange, the insurer pays a lump sum (called a death benefit) to your beneficiaries if you pass away. The purpose is to provide financial security to your loved ones by helping cover expenses.
Who needs them:
Everyone who wants to leave something behind for loved ones.
How Calvin helps:
As a brokerage, we’re not tied to a single company or product. Instead, we have access to a wide range of insurance providers, allowing us to find the best coverage at the most competitive rates for you.
We also work with corporations to use life insurance as a tax shelter and allow money to grow tax-free.
Investments
What they are:
Financial investments are assets you buy with the expectation that they will generate income or grow in value over time. They help you build wealth and reach financial goals, like buying a house or retiring comfortably.
Who needs them:
Everyone who wants to grow their wealth and make their money work for them.
How Calvin helps:
Are your investments truly growing, or just keeping up with inflation? I’ll take a close look at your current portfolio to assess its performance. If you’re in a good position, I’ll let you know. If there’s a better option, I’ll show you. I help individuals and corporations invest in the most tax-efficient accounts to maximize their returns.
Ready to talk about your investments?
I’d love to meet with you! No obligations. I’m here to point you in the right direction.