Saving for Retirement
Fuel Your Financial Independence
Every dollar invested today brings you closer to a retirement where you're in control. Small, consistent steps add up, and starting early gives your money time to grow. The future you dream of begins with the actions you take today.
Why Saving for Retirement Matters
Live the Life You Love
Imagine enjoying the lifestyle you’ve always dreamed of, without the worry of income constraints. Whether it’s traveling the world, starting new hobbies, or spending time with loved ones, your savings will help you live on your terms.
Achieve True Financial Freedom
Retirement is the time to embrace your independence. A strong savings plan ensures you won’t have to rely on others or dip into emergency funds, giving you the confidence to live life fully.
Be Ready for Life’s Surprises
The future can be unpredictable, but with a solid plan in place, you’ll be ready for anything. Whether it’s healthcare needs or a spontaneous adventure, you’ll have the financial security to handle life’s twists and turns.
Harness the Power of Growth
The earlier you start, the more time your money has to grow. Compounding interest and smart investments mean that even small steps today can lead to incredible rewards tomorrow. Every dollar you save works harder for you, building momentum toward the future you deserve.
Live the Life You Love
Imagine enjoying the lifestyle you’ve always dreamed of, without the worry of income constraints. Whether it’s traveling the world, starting new hobbies, or spending time with loved ones, your savings will help you live on your terms.
Achieve True Financial Freedom
Retirement is the time to embrace your independence. A strong savings plan ensures you won’t have to rely on others or dip into emergency funds, giving you the confidence to live life fully.
Be Ready for Life’s Surprises
The future can be unpredictable, but with a solid plan in place, you’ll be ready for anything. Whether it’s healthcare needs or a spontaneous adventure, you’ll have the financial security to handle life’s twists and turns.
Harness the Power of Growth
The earlier you start, the more time your money has to grow. Compounding interest and smart investments mean that even small steps today can lead to incredible rewards tomorrow. Every dollar you save works harder for you, building momentum toward the future you deserve.
Everyone's retirement vision is different. Whether you see yourself traveling the world, spending more time with family, or picking up a new hobby, your savings should reflect your unique goals.
A good starting point is aiming to replace about 70-80% of your pre-retirement income. But it’s important to consider your lifestyle, spending habits, and any new adventures you want to take on in retirement.
Use Our Retirement Planner: Take the guesswork out of the equation. Our planner helps you supercharge your retirement savings strategy and determine how much you need to live your best life.
Simple - yet Powerful - Steps
For Where You Are & Where You Want to Be
Simple - yet Powerful - Steps
For Where You Are & Where You Want to Be
Your 20s are all about setting the stage for future growth. While retirement might seem far away, this is the perfect time to harness the power of compounding growth. Even small contributions now can have a huge impact later on.
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Open an RRSP or TFSA: Start with whatever you can contribute—even small amounts make a difference when you start young.
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Automate Your Savings: Set up automatic transfers to your retirement account, so you’re consistently building your future. Learn more.
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Invest in Growth: Focus on more aggressive, growth-oriented investments* while you have the time to ride out market fluctuations.
Take Action: Set up an automatic transfer of at least $50 a month into your RRSP or TFSA. Time will do the rest!
Easy Win: With QTrade Guided Portfolios, you can easily open and fund a personalized portfolio—all online. It's fast, straightforward, and tailored to you! Learn more and take your next step toward financial success!
In your 30s, you’re likely earning more and establishing your career, so now’s the time to accelerate your retirement savings. You still have plenty of time, but it’s important to build on what you’ve started.
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Increase Contributions: If you’ve gotten a raise or bonus, direct some of that extra income into your retirement savings.
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Max Out Employer Contributions: If your employer offers a matching contribution to your pension plan, make sure you’re contributing enough to get the full match.
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Diversify Your Investments*: Continue to grow your portfolio with a balance of riskier and more stable investments.
Take Action: Review your budget and increase your retirement contributions by 5%—a little more now will have a big impact later. Want to learn more about budgeting, check out this free guide in our financial education portal: Getting Started with Budgeting
Your 40s are a critical time to catch up if you’ve fallen behind or to refine your strategy if you’re on track. You’re likely juggling more financial responsibilities, but it’s also the time to start thinking seriously about the retirement lifestyle you want.
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Maximize RRSP Contributions: Take full advantage of your RRSP contribution room, especially if you’ve got unused space from previous years.
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Focus on Higher Contributions: Increase your monthly contributions as your income allows and focus on building a stronger retirement fund.
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Refine Your Investment* Strategy: Start gradually shifting toward more balanced investments to reduce risk as you get closer to retirement.
Take Action: Use our easy, one-screen Retirement Calculator to check if you’re on track and adjust your contributions to meet your goals. For a deeper dive, try our comprehensive Retirement Assessment. Better yet, connect with us—we’d love to talk about your dreams and help craft a strategy to make them a reality!
Retirement is on the horizon, making this the perfect time to power up your savings and finalize your strategy. It’s your chance to give your retirement fund a serious boost while making smart financial decisions for the future.
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Maximize Your Contributions: If you haven’t maxed out your RRSP or TFSA, now is the time. Take advantage of any catch-up opportunities, especially in your RRSP.
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Consolidate and Simplify: Start organizing your accounts and simplifying your investments* to make it easier to manage when you retire.
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Plan for Withdrawals: Begin thinking about how you’ll access your funds in retirement. Consider the best withdrawal strategies to minimize taxes and maximize income.
Action: Use any extra income—bonuses, tax refunds, or reduced expenses (like paid-off debts)—to turbocharge your retirement fund.
Pro Tip: Planning now can make all the difference later. Talk to us about your retirement goals, and we’ll help you build a personalized strategy. Whether you need advice on contribution limits, withdrawal strategies, or simplifying your accounts, we’re here to guide you every step of the way. Let’s create a plan that ensures your financial well-being for the retirement you envision!
In your 60s, the time has come to fine-tune your plan and make the transition to retirement. You’ve worked hard, and now it’s about ensuring that your savings last and support the lifestyle you want.
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Finalize Your Retirement Date: Decide when you want to retire and how that will impact your financial plan.
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Convert Your RRSP: By the end of the year you turn 71, you’ll need to convert your RRSP into a Registered Retirement Income Fund (RRIF) or an annuity to start drawing income. To find out how much income you will get from your RRIF, or how long it will last, check out our Retirement Income Fund Calculator.
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Plan for Longevity: Make sure your retirement income will last by carefully managing your withdrawals and considering any health care needs or future expenses.
Simple Steps: Collaborate with a financial advisor to design a withdrawal strategy that supports your retirement lifestyle and long-term goals.
Whether you’re just starting your career or nearing retirement, the key is to take action now. Every step you take moves you closer to the secure, fulfilling retirement you deserve. Ready to get started?
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Use Our Retirement Planner: See how much you’ll need to save and create a plan that fits your lifestyle.
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Talk to a Financial Advisor: Get personalized advice on maximizing your retirement savings and making the most of every dollar you invest.
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Open or Contribute to Your RRSP or TFSA: It’s easy to take the first step toward a brighter future—start today!
Strategies to Maximize Your Retirement Savings
PAC to Win $1K
A Preauthorized Contribution (PAC) is an effortless way to grow your savings by automatically setting aside money on a regular schedule.
With "PAC to Win $1K" you can start building your financial future with ease. Set up your PAC today and be automatically entered to win $1,000 while building the foundation for long-term success. Small steps today lead to big dreams tomorrow—your journey starts here!
Catch Up With Unused RRSP Room
If you haven’t been contributing to your RRSP over the years, don’t worry! You can carry forward any unused contribution room indefinitely, so it’s never too late to boost your savings and catch up.
Diversify Your Investments*
Spreading your money across different types of investments*—like stocks, bonds, and real estate—helps protect your savings and ensures steady growth over time. Diversification can help you ride out market fluctuations and keep your retirement plans on course.
Reinvest Tax Refunds
If you’re getting a tax refund from your RRSP contributions, consider reinvesting that money right back into your retirement savings. It’s a great way to amplify your efforts and build your retirement fund faster.
DIY, Robo-Advice, or Advisor—what’s right for you?
Guided Portfolios (or Robo-Advice)
Who’s it for?
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Those who want investment guidance but prefer a hands-off approach.
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New investors looking for a simple, low-cost way to get started.
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Busy individuals who want a fast, online solution tailored to their goals.
Get tailored investment recommendations based on your goals with a quick online questionnaire—simple, fast, and fully online!
Online Brokerage for the DIY Investor
Who’s it for?
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Confident, hands-on investors who want complete control of their portfolio.
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Experienced individuals who enjoy researching and selecting their investments.
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Anyone who values flexibility and the freedom to trade anytime, anywhere.
Invest anytime, anywhere with an award-winning online trading platform. Perfect for those who want full control.
Personal Advice
Who’s it for?
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Those who prefer a personalized, relationship-based approach to investing.
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Individuals with complex financial goals or who want expert insights.
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People who value tailored strategies and guidance, available virtually or in-person.
Work with an advisor for personalized support, expert investment strategies, and a plan tailored to your goals. Connect your way—in-person or virtually.
Tax-Smart Savings: Understanding RRSPs and TFSAs
An RRSP (Registered Retirement Savings Plan) is one of the most popular and effective ways to save for retirement in Canada. Here’s why:
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Tax-Deductible Contributions: Any money you contribute to your RRSP can be deducted from your taxable income, lowering your tax bill for the year.
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Tax-Sheltered Growth: Your investments grow tax-free while they’re in the RRSP, allowing you to build wealth more quickly.
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Borrowing from Your RRSP: You can use up to $35,000 from your RRSP toward the Home Buyers’ Plan (HBP) or the Lifelong Learning Plan (LLP) without paying taxes, as long as you repay it within the required period.
RRSPs are ideal for those in higher tax brackets who want immediate tax relief.
A TFSA (Tax-Free Savings Account) is a flexible savings option that can also help you save for retirement. While it isn’t exclusively for retirement, many people use it as part of their long-term savings strategy.
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Tax-Free Withdrawals: You can withdraw money from your TFSA at any time, tax-free, giving you flexibility in retirement.
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No Tax on Growth: Any income or growth earned in your TFSA is completely tax-free, so your savings can grow faster.
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Complement Your RRSP: Many people use TFSAs to supplement their RRSP savings, especially for shorter-term retirement goals or to fund lifestyle choices in retirement.
RRSP |
TFSA |
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Contribution Room | 18 % of previous year's earned income up to $32,490 in 2025 |
$7,000 - the annual dollar limit is indexed to inflation.
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Carry-forward | Carry forward until you turn 71 | Carry-forward indefinitely |
Contributions | Pre-tax dollars | After tax dollars |
Tax deductibility | Yes | No |
Tax Treatment of Growth | Tax deferred | Tax free |
- RRSP (Registered Retirement Savings Plan): Ideal for long-term retirement savings. Contributions are tax-deductible, and your money grows tax-free until you withdraw it—perfect for reducing taxable income now and building a nest egg for the future.
- TFSA (Tax-Free Savings Account): Flexible and versatile. Contributions aren’t tax-deductible, but your money grows tax-free, and withdrawals are completely tax-free—great for shorter-term goals or supplementing retirement savings.
Diversify Your Portfolio
Understanding Investments Within Your RRSPs and TFSAs
Stocks represent ownership in a company, giving you a share in its profits and growth. Stock prices can fluctuate based on market conditions, offering higher potential returns but with higher risks.
Stocks are ideal for long-term investors who are comfortable with risk and want to grow their wealth over time. With higher potential returns, stocks are especially suited for younger investors or those with time before retirement to weather market fluctuations. They offer significant growth potential, making them a powerful way to boost your retirement savings.
Bonds are loans to governments or corporations. In return, you receive regular interest payments over a set period, and your principal is returned when the bond matures. Bonds are less volatile than stocks and provide steady income.
Bonds are best for conservative investors or those nearing retirement who want steady income with less risk than stocks. Bonds offer predictable returns and provide stability in your portfolio, making them a solid choice for anyone seeking to preserve capital while earning a consistent income.
Mutual funds pool money from many investors to invest in a variety of assets, such as stocks, bonds, or a combination. Managed by professionals, mutual funds offer a hands-off way to diversify your investments.
Mutual funds are ideal for investors looking for diversification without the need to manage individual investments. These professionally managed funds pool together various assets, spreading out risk while giving you access to a wide range of stocks and bonds. They are great for people who want a hands-off approach with the benefit of expert management.
ETFs are similar to mutual funds but are traded on stock exchanges like individual stocks. They offer a diversified mix of investments at a lower cost than many mutual funds.
ETFs are perfect for cost-conscious investors seeking diversification similar to mutual funds but with lower fees. ETFs offer flexibility, allowing you to trade them like stocks while giving you broad exposure to different asset classes. They’re suited for those who want a mix of investments but prefer lower costs and more control over buying and selling.
GICs are fixed-term investments where you deposit money for a set period in exchange for guaranteed interest. Your principal is also guaranteed, making GICs a low-risk option.
GICs are ideal for conservative investors who prioritize security and guaranteed returns. GICs provide a fixed interest rate over a set period, making them perfect for those who want to protect their principal while earning a predictable return. They’re a great choice for individuals nearing retirement or anyone looking for a safe, low-risk investment.
Qtrade Guided Portfolios® is a fully online, professional investment service designed to help you grow your wealth effortlessly. Through a quick, goals-based questionnaire, it builds a customized portfolio that matches your financial goals and risk tolerance. With continuous oversight, low fees, and automatic rebalancing, your investments stay aligned with your objectives without the need for in-person meetings.
We get it; life is busy Life is busy, and finding time for in-person appointments isn’t always easy. Qtrade Guided Portfolios® is a hassle-free, hands-off approach to investing with professional guidance every step of the way.
Ideal for individuals or families with complex financial needs, such as business owners, professionals, or retirees with significant assets, these services offer advanced wealth growth, tax efficiency, and legacy protection. With a hands-on, expert partnership, you can confidently navigate your financial journey.
Check out the Investing to Build Wealth course! This course bumps your investment readiness up a notch with a broad overview of different types of investment vehicles, strategies, and principles.
Learn More
Retirement Calculator | A simple, one-screen retirement calculator. |
Retirement Assessment | A more in-depth retirement planner |
Retirement Income Fund Calculator | |
Enrich | Our award-winning financial education platform |
Course: Investing to build wealth | |
Course: Creating a financial plan | |
Video: Achieving Financial Goals | |
Video: How to Adjust Your Financial Plan When Things Change |
Meet the Team

Jordan Rederburg
B.A. Econ, CFP®
Senior Investment Specialist
Aviso Wealth
T 306 842 9553

Darla Brenholen
WC, CEA
Investment Specialist
Aviso Wealth

Nik Patel
Investment Specialist
Aviso Wealth
I’m passionate about helping members understand and manage their financial futures. While many members have mastered basic banking, they often neglect to meaningfully plan for the future. Finding time in a busy day to tackle long-term goals—and translating vague aspirations like “maybe retire at 60” or “help the kids with their education” into actionable roadmaps—can feel daunting. Questions like “How much should I contribute to which accounts?”, “Should I prioritize investing or paying down debt?”, and “When should I take CPP?” can be overwhelming without guidance.
As a financial enthusiast, I genuinely enjoy empowering members to identify their dreams and create clear plans to achieve them. Having been with Weyburn Credit Union for over five years, I’ve had the joy of watching many of those plans come to fruition. The highlight of my day is hearing from members who are now in a stronger financial position and living out their hopes and dreams.
I am here to guide members through the often-overwhelming process of settling an estate, from managing assets to ensuring proper distribution in accordance with the decedent’s wishes. I work closely with members to ensure that every aspect of the estate is administered in line with legal requirements and the family’s intentions.
In addition to estate administration, I’m passionate about helping members take control of their finances through simple, effective budgeting. I’ve seen firsthand how overwhelming it can feel when your money seems to control you instead of the other way around. Learning how to budget was a game-changer for me—it gave me the confidence and clarity to prioritize what truly mattered in my life.
Now, I love helping members create budgets that align with their goals, empowering them to build a future they’re excited about, one step at a time. Whether it’s navigating estate matters or crafting a financial plan, I am committed to providing transparency, practical support, and personalized solutions to help members feel confident and in control.
Nik has called Weyburn home for the past 15 years and appreciates the charm of “small towns and cities.” With 10 years of experience in the financial services industry and a mutual fund license since 2021, he brings both expertise and a personal touch to his work.
"I’m passionate about helping members feel confident and empowered when it comes to investing. I understand that, for many, the world of investing can feel overwhelming or intimidating—I’ve been there myself. That’s why I focus on breaking down complex concepts into simple, actionable steps to help members take control of their financial future. Watching someone move from uncertainty to excitement about their investments is the most rewarding part of my job. My goal is to ensure every member feels equipped to make decisions that align with their goals and dreams, no matter where they’re starting from."
In his free time, Nik enjoys spending time with family and friends, playing chess with his daughter Krisha (who beats him—yes, you read that right!), reading books, and staying updated on world affairs.

Jaime Roncin
Investment Specialist
Weyburn Credit Union
T 306 842 9556
With years of experience in financial services, I’ve seen firsthand how small, consistent changes can lead to significant improvements in someone’s financial health and overall well-being. I believe that everyone deserves to feel secure and confident about their financial future, and I take pride in helping them get there.
For me, it’s not just about numbers—it’s about the stories behind them. I love learning about my members dreams and aspirations, and there’s nothing more rewarding than helping them take actionable steps toward achieving those goals. Watching someone go from feeling overwhelmed to feeling empowered and excited about their financial journey is the highlight of what I do.

Tony Gill
BBA, CFP®, CIM®, CLU®, FCSI®
Senior Wealth Advisor - Aviso Wealth
Wealth Protection Specialist - Aviso Insurance Inc.
Senior Wealth Advisor - Aviso Wealth
Wealth Protection Specialist - Aviso Insurance Inc.

Sean Purdue
CFP®, FCSI, CIWM, CIM, CLU
Senior Wealth Advisor - Aviso Wealth
Wealth Protection Specialist - Aviso Insurance Inc.
T 306 842 9554
Wealth Protection Specialist - Aviso Insurance Inc.
Senior Wealth Advisor - Aviso Wealth
Wealth Protection Specialist - Aviso Insurance Inc.
Tony brings over 15 years of experience as a wealth advisor, offering personalized financial strategies that empower individuals and families to reach their financial goals. Through continuous education and a commitment to professional growth, Tony has earned some of the most respected designations in the industry, ensuring his clients receive the highest level of expertise and service.
“I’m passionate about helping people gain clarity and confidence in their financial futures. It’s incredibly rewarding to guide clients from uncertainty about retirement to a place where they feel secure in their financial path. My goal is to empower my clients with the knowledge and tools they need to make informed decisions and provide ongoing support as they navigate their financial journey.”
Tony and his wife, Nicole, have been happily married for 18 years and are kept on their toes by their sons, Jacob and Josh, who keep the family active with sports and other activities. An early riser, Tony begins each day with a CrossFit workout, and when he has free time, he enjoys catching the latest movies at the theatre with his family.
Link: CIRO Advisor Report
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Aviso Insurance Inc. offers financial planning, life insurance and investments to members of credit unions and their communities.
CFP®, FCSI, CIWM, CIM, CLU
Senior Wealth Advisor - Aviso Wealth
Wealth Protection Specialist - Aviso Insurance Inc.
Sean began his career in financial services in May 2003, focusing on consumer lending. In 2005, he followed his passion and transitioned into Wealth Management. Currently, Sean serves as a Wealth Advisor with Aviso Wealth. As a Certified Financial Planner (CFP®) with extensive experience, Sean provides comprehensive guidance to help clients navigate all aspects of their financial affairs.
Sean specializes in supporting small business owners and family farm operators who are increasingly building wealth within their corporations. His expertise in investment strategies and tax planning enables him to develop tailored solutions for corporate entities. Additionally, Sean has considerable experience managing the complexities of various pension plans.
Sean resides in Weyburn with his wife, Dawn, and their three children. In his free time, he enjoys traveling, camping, and actively participating in his children’s activities. Sean believes in making his community a better place. He has been active in a number of community initiatives and currently sits on the board of two local non-profit organizations.
Link: CIRO Advisor Report
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Aviso Insurance Inc. offers financial planning, life insurance and investments to members of credit unions and their communities.
Retirement Planning: Expert Guidance with a CFP Professional
Customized Strategy
Get a retirement plan tailored specifically to your goals, lifestyle, and financial situation.
Comprehensive View
A CFP professional helps you see the full picture of your finances, from budgeting and saving to investment strategies and tax planning.
Tax-Efficient Saving
Maximize your retirement savings with advice on RRSPs, TFSAs, and other tax-advantaged accounts.
Investment Expertise
Receive expert recommendations on how to diversify your portfolio for both growth and stability.
Confidence and Peace of Mind
With a CFP professional’s guidance, you can stop losing sleep over your financial future. You’ll feel secure knowing your plan is designed to help you meet your retirement goals.
Ongoing Support
As your financial needs and goals change, a CFP professional is there to adjust your plan, keeping you on track throughout your life.
Learn more
Find out more about financial planning and meet our CFP professionals.
More of a DIYer?
We've got you covered; check out our Retirement Assessment.
Customized Strategy
Get a retirement plan tailored specifically to your goals, lifestyle, and financial situation.
Comprehensive View
A CFP professional helps you see the full picture of your finances, from budgeting and saving to investment strategies and tax planning.
Tax-Efficient Saving
Maximize your retirement savings with advice on RRSPs, TFSAs, and other tax-advantaged accounts.
Investment Expertise
Receive expert recommendations on how to diversify your portfolio for both growth and stability.
Confidence and Peace of Mind
With a CFP professional’s guidance, you can stop losing sleep over your financial future. You’ll feel secure knowing your plan is designed to help you meet your retirement goals.
Ongoing Support
As your financial needs and goals change, a CFP professional is there to adjust your plan, keeping you on track throughout your life.
Learn more
Find out more about financial planning and meet our CFP professionals.
More of a DIYer?
We've got you covered; check out our Retirement Assessment.