Ongoing Education

This page will continue to evolve as new topics are added to support informed, confident decision-making.

Registered Accounts – At a Glance

TFSA (Tax-Free Savings Account)
A flexible account that allows investment growth and withdrawals to be tax-free, subject to contribution limits and applicable rules.

RRSP (Registered Retirement Savings Plan)
A tax-deferred account designed to support long-term retirement savings.

FHSA (First Home Savings Account)
Combines features of a TFSA and RRSP to help first-time home buyers save for a down payment.

RESP (Registered Education Savings Plan)
A savings vehicle to help fund a child’s post-secondary education, with government grant support.

Investment Basics

Risk & Return
Higher potential returns typically involve higher levels of risk. Finding the right balance is key.

Diversification
Spreading investments across asset classes helps manage risk and reduce volatility.

Time Horizon
The length of time you plan to invest plays a major role in determining appropriate strategies.

*Insurance Basics

Why Life Insurance Matters
Life insurance helps protect loved ones financially in the event of death and can support income replacement, debt coverage, and long-term planning goals.

Term vs. Permanent Insurance

• Term insurance provides coverage for a set period

• Permanent insurance offers lifelong coverage and may include cash value features