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Retirement Planning

Starting early makes it easY

With modern medical advances and increased standards of living, people can plan on spending one quarter of their lives in retirement. It's never too early to start saving for your retirement. Everybody has heard it before, but it's true. The effect of compound interest is significant. Starting early gets you on the right path to the best golden years.


What difference will saving now make?

If you live paycheque to paycheque, like many do in the beginning, you can make ends meet. But what happens when you’re 65, not working, and want to travel, spend time with family or play bridge at the club? After 40 years of work, you deserve to enjoy yourself without hesitation.

What about my contributions to the Canada Pension Plan?

You’ve been paying into Canada Pension Plan (CPP) since your first well-paying job - so have millions of Canadians. The average CPP cheque is $685 per month. Even if you’ve paid off your home by retirement, there are electricity, water, internet, food, property tax and health bills to cover.


Check out our retirement planner to see how much you’ll need for the future you want.

I contribute to my Registered Retirement Savings Plan (RSP), isn’t that enough?

An RSP is a brilliant way to save money for retirement with some great incentives. You can also use your RSP towards the down payment of your first home, towards your education, and you get a chunk of money during tax time.


Did you know, you pay tax on your RSP money when it’s withdrawn? Talk to us to learn more about tax savings on investments.


What are the first steps to investing?

If you’ve been contributing to your RRSP, that’s the first step! RSPs, Tax-Free Savings Accounts, mutual funds*, and stocks* are all investment options available to you. If you’re great at saving, make that money work for you. Not great at saving? Remember that tax-time lump sum? Invest it. Starting now won’t sink your bank account. Learn the basics from one of our Wealth Management experts. They know the ins and outs of investing, so you don’t have to.


I’m too stressed about money. I can’t think about this right now.

If you’re having difficulty paying bills or making payments on time, talk to us. We can help you consolidate debt or free up some funds to help you begin a savings plan.


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The Legal Stuff:

Legal Terms of Use apply. *Mutual funds, other securities and securities related financial planning services are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.