FutureProof Insights
Get A Free Quote
Serving Ontario, Canada
insights@healthwealthlife.ca
Financial Planning
Home » Financial Planning

Explore Your Path to Financial Freedom

When it comes to securing your future, you’ve got options—lots of them. From building wealth to creating a steady income in retirement, the right investment strategies can help you achieve your financial goals with confidence.

💼 Investment, Income & Retirement Options Tailored for You

Whether you’re planning for tomorrow or decades down the road, here’s a look at the investment plans, accounts, and products designed to help you grow and protect your wealth.

📈 Registered Investment & Retirement Plans

These government-registered plans and accounts are powerful tools for maximizing your savings. They allow you to grow your money tax-deferred or even tax-free, depending on the plan’s terms and conditions.

  • Grow Your Wealth Faster: Take advantage of tax benefits that help your investments compound more efficiently.
  • Flexible for Every Life Stage: Whether you’re saving for retirement, education, or a major life event, there’s a plan to fit your needs.
  • Secure Your Financial Future: Designed to help you not just save, but build a lasting legacy.
Your Financial Goals, Your Way

With the right mix of investment and retirement options, you’re not just saving—you’re building a future you can look forward to.

Registered retirement savings plan (RRSP)

An RRSP helps you save for your retirement. Your contributions into this plan are tax-deductible. And, the income earned  within your RRSP are tax-deferred until you make withdrawals.

Tax-free savings account (TFSA)

A TFSA helps you save money for any purpose. Although contributions aren’t tax-deductible, your investments can grow tax-free and you can make withdrawals at any time without paying tax.

First home savings account (FHSA)

A FHSA helps you save money to buy or build a qualifying first home tax-free. Your contributions into this plan are tax-deductible. You can make tax-free withdrawals for up to 15 years to buy a qualifying home. If you don’t buy a home, any unused funds may be transferred directly to an RRSP.

Locked-in retirement account (LIRA)

A LIRA is like an RRSP, but the funds in the plan come from a pension plan instead of RRSP contributions. But unlike an RRSP, LIRAs have withdrawal restrictions.

Life income fund (LIF)

A LIF is like a RRIF. It pays you income during retirement. There’s a minimum amount you must withdraw from a LIF each year and there’s a maximum limit too. Funds in this plan are tax-deferred until withdrawals are made.

Registered education savings plan (RESP)

An RESP helps you save for a child's post-secondary education or training. Your contributions into this plan aren’t tax-deductible, and any income earned within the plan is tax-deferred until withdrawals are made.

Restricted life income fund (RLIF) & locked-in retirement income fund (LRIF)

An RLIF or an LRIF turns your locked-in pension funds into retirement income. There's a minimum amount you must withdraw from a LIF each year and there's a maximum limit too.

Registered retirement income fund (RRIF)

A RRIF is an investment account that pays you income during retirement. There’s a minimum amount that you must withdraw from a RRIF each year. Funds in this plan are tax-deferred until withdrawals are made.

Ready to Take the Next Step Toward Your Financial Goals?

Your future deserves more than a one-size-fits-all approach. Whether you’re planning for retirement, growing your investments, or securing your family’s financial well-being, the right strategy can make all the difference.

💡 Let’s make your goals a reality.

Contact an advisor today to explore personalized investment and retirement options tailored to your unique needs. Together, we’ll create a plan that helps you build, grow, and protect your wealth—for today, tomorrow, and beyond.

Your future starts now. Let’s get started.

The Right Advice
Contact an Advisor

Ready to Take the First Step?

Starting something new can feel overwhelming, but you don’t have to do it alone. We’re here to guide you every step of the way.

Need help getting started? Let’s make it simple, clear, and stress-free—so you can move forward with confidence.

Start Today
Scroll to Top