Non-Registered Account 

(Open AC)

Non-registered account is also known as Open Account. Such account is investment account offered by banks and financial service providers in Canada, as well as mutual fund companies. It is flexible, and has no contribution limits. You are free to open non-registered account and keep it as long as you wish.

Tax-Free Savings Account 

(TFSA)

Tax-Free Savings Account is an investment account available in Canada that provides tax benefits. TFSA contributions are not tax deductible, but the investment  income, including capital gains, dividends and interests earned, is tax-free.

Registered Retirement Savings Plan 

(RRSP)

Registered Retirement Savings Plan, or Retirement Savings Plan, is a type of Canadian account for holding savings and investment assets.  It is a tax deferred account in which contributions can be used to reduce your income tax.  Plan earlier for you retirement.

Registered Education Savings Plan 

(RESP)

RESP is a tax-deferred plan designed to benefit post-secondary education. The Canada Education Savings Grant (CESG) is provided to complement RESP contributions. The government contributes 20% of the first $2,500 on annual contributions made to RESP.

Locked-In Retirement Account

(LIRA)

LIRA is designed to accumulate and manage money that has been moved from a company pension plan.  Upon leaving your employer, you would be given the choice to transfer the money to your own retirement account with your preferred financial institution. 

Registered Retirement Income Fund (RRIF)

RRIF is a tax-deferred retirement plan under Canadian tax law.  Before the end of the year in which an individual turns 71, it is mandatory to either withdraw all funds from a RRSP plan or convert the RRSP to a RRIF or life annuity, and the withdrawal is fully taxable as ordinary income.

Travel Insurance

Travel insurance provides protection on unexpected expenses whenever you travel. No matter if you are visitors to Canada or Canadians travelling aboard, we are here to make you feel secured.

Business Insurance

An owner or key shareholder of a successful private corporation wants to protect the value of the corporation. A tax-exempt insurance policy may help you grow assets within your corporation.