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Registered Accounts in Canada

Optimize Tax-Advantaged Growth for Every Life Stage

Take full advantage of Canada’s registered investment accounts to grow your wealth faster, reduce taxes, and achieve your biggest life goals. At Whealth, we help Canadians strategically use RRSP, TFSA, FHSA, and RESP to build long-term financial security through professionally guided investment planning.

Why Registered Accounts Matter

Tax Efficiency

Reduce or eliminate taxes on investment growth completely.

Goal-Based Saving

Save efficiently for retirement, education, and home ownership.

Wealth Acceleration

Build diversified portfolios and accelerate long-term wealth creation.

Future Protection

Protect your financial future with government-backed account structures.

We design personalized strategies using:

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All aligned with your goals, risk tolerance, and timeline.

RRSP – Retirement Savings Plan

Build Your Retirement with Tax-Deferred Growth

The RRSP is the foundation of retirement planning in Canada. It allows you to grow your investments while deferring taxes until withdrawal.

  • Deduct contributions from income
  • Grow investments tax-deferred
  • Reinvest refunds for compounding
  • Convert to lifetime income

    • Plan Your Retirement

    Perfect for professionals, families, and business owners planning long-term retirement income.

    Investment Options:
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    TFSA Flexibility

    All investment gains and withdrawals are 100% tax-free, making it the most flexible tool in your financial arsenal.

    Investment Assets:
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    TFSA – Tax-Free Savings Account

    Grow Your Money Completely Tax-Free

    The TFSA offers unmatched flexibility for short- and long-term goals. Ideal for emergency funds, passive income, and portfolio diversification.

  • Emergency funds
  • Passive income
  • Major purchases
  • Supplementing retirement

    • FHSA – First Home Savings Account

    Save Faster for Your First Home

    The FHSA combines the best features of RRSP and TFSA — making it the most powerful tool for first-time home buyers in Canada.

  • Tax-deductible contributions (like RRSP)
  • Tax-free withdrawals for qualifying purchases (like TFSA)
  • Flexible strategies for down payment growth

    • Your First Home Strategy

    Perfect for young professionals and families preparing for home ownership. Accelerate your down payment.

    Available Options:
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    Education Planning

    A strategic way to prepare for rising tuition costs with government grants and long-term growth.

    Investment Choices:
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    RESP – Education Savings Plan

    Secure Your Child’s Education Future

    RESPs help parents grow education savings with government support and long-term investment growth. Access grants like the CESG.

  • Save for post-secondary education
  • Access valuable government grants
  • Build disciplined education funding

    • Frequently Asked Questions

    The main benefit of an RRSP is that contributions are tax-deductible from your current income, and your investment growth remains tax-deferred until you withdraw the funds in retirement.
    The FHSA allows first-time buyers to contribute up to $8,000 annually ($40,000 lifetime) with tax-deductible contributions (like an RRSP) and tax-free withdrawals for a home purchase (like a TFSA).
    Yes, the government sets an annual limit ($7,000 for 2024), and any unused room from previous years since you turned 18 (or since the TFSA started in 2009) carries over.
    Over-contributions to RRSPs or TFSAs are generally subject to a 1% monthly penalty tax on the excess amount until it is withdrawn.
    Yes, RESPs can typically be used for qualifying post-secondary educational programs both inside and outside of Canada.

    Who These Registered Accounts Are For

    Retirement Planners

    Individuals looking to build a secure, comfortable lifestyle for their future.

    Families

    Parents saving for their children's post-secondary education and future milestones.

    First-Time Buyers

    Young professionals looking to maximize tax-free growth for their first home down payment.

    High-Income Professionals

    Individuals seeking elite tax efficiency and strategic wealth preservation.

    Start Maximizing Your Registered Accounts Today

    Whether you’re saving for retirement, your first home, or your child’s education, Whealth helps you use registered accounts the smart way — with clear guidance and personalized investment strategies.