Solving Your Financial Puzzle

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Registered Retirement Savings Plans (RRSP)

Contributing to an RRSP is still one of the most popular and tax-effective ways of saving for your retirement. We have the tools to help you build a portfolio so that you can meet your retirement goals.

Segregated fund policies offer a long-term investment with death benefit and maturity guarantees. These guarantees are options within an insurance policy, other benefits are that the assets bypass the estate and potential probate fees, and go directly to your named beneficiaries.

Retirement and Investment Planning

Whether it’s saving for your child’s education, planning a vacation, building a nest egg for retirement, investing in a small business or managing your finances during retirement, we can help you create an investment portfolio that’s tailored to your needs.  We can offer you a wide range of products and services to help you reach your financial security goals.

Is your family or business protected in case the unforeseen should occur?  The advisors at Neil & Associates would be happy to talk to you about estate planning to show you how you can be certain your family and business will go on.  They can advise you on your investments, estate and income protection and succession planning. 

Tax-Free Savings Account (TFSA)

The TFSA, a type of investment account, allows you to earn investment income and generate capital gains from eligible investments tax-free.

Registered Retirement Income Funds (RRIF)

You’ve saved for your retirement and now you need an income. The advisors at Neil & Associates can discuss options you need for your retirement lifestyle.

Registered Education Savings Plans (RESP)

Children are going back to school.  Consider saving for your child or grandchild’s education with an RESP. When you contribute to this type of registered plan, the federal government provides a grant to help you reach your goals faster.  To maximize your contribution to your RESP savings plan, a contribution should be made by December 31.

Registered Disability Savings Plan (RDSP)

A registered disability savings plan is a registered savings plan designed to provide long-term financial security for a person with a disability.  Tax deferred investment growth, along with generous government grants and bonds make the RDSP a powerful investment pool.  An RDSP is set up in the mane of a beneficiary, the person with the disability.  The beneficiary must be a Canadian resident, under 60 years of age, with valid SIN and who is eligible for the Disability Tax Credit. Adults and minors are eligible for this plan.