Investment Solutions to meet your Personal and Business Needs!

With access to all of the major insurance companies in Canada, Krizal Financial Solutions is able to provide you with a variety of segregated fund investment solutions to meet your savings and retirement goals.

RRSP

A Registered Retirement Savings Plan (RRSP) allows you to enhance your retirement income savings goals by growing your savings on a tax deferred basis up to your retirement. Enjoy the benefits of a tax deduction when you file your income tax return each year.

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RRIF

A Registered Retirement Income Fund (RRIF) is the income vehicle that you will need to convert your RRSP to no later than December 31 of the year you turn 71 years old. The income received is taxable at your marginal tax rate. Funds that aren’t required to be withdrawn each year continue to grow on a tax deferred basis.

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TFSA

A Tax Free Savings Account (TFSA), allows you, if you are 18+ years old, to be able to contribute a prescribed amount each year to grow your savings completely tax free. If liquidity is important to you, then a TFSA allows just that!

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RESP

The Canadian Government allows you to contribute a lifetime maximum of $50,000 per child, in which they will match 20% of your contributions annually (up to $500 per year) to a lifetime maximum of $7,200 in the form of what is called the Canada Education Savings Grant (CESG).

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Non Registered

A non registered savings plan allows you to meet your short and long term savings goals while providing you with liquidity. These plans are taxable, and not tax deferred or tax free like an RRSP or TFSA respectively.

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