Personal · Grow
The right account, in the right order
Registered accounts each solve a different problem. Used in the right sequence they lower tax, protect flexibility and keep money available when you actually need it.
What each account is best at
TFSA
- Tax-free growth
- Flexible withdrawals
- Recontribution room the following year
- Useful at any income level
RRSP
- Deduction against current income
- Tax-deferred growth
- Spousal planning
- Home Buyers' Plan
FHSA
- Deduction on the way in
- Tax-free out for a first home
- Combines with other savings
- Time-limited room
RESP
- Government grant matching
- Education funding timeline
- Family plans for siblings
- Withdrawal sequencing
Get the sequence right
We will map your contribution room and the order that fits your income.
Information on this page is general in nature. Recommendations depend on your circumstances and may involve coordination with other licensed professionals.