An RRSP lets Ontario residents reduce taxable income today while investing for retirement. At Financialsynergist, we help clients in Burlington, Hamilton, Niagara, and St. Catharines build diversified RRSP portfolios aligned with time horizon and risk tolerance.
Key advantages
- Tax-deductible contributions lower your current taxable income.
- Tax-deferred growth—pay tax later, potentially at a lower bracket.
- Wide investment choices: mutual funds, ETFs, GICs, and more.
- Spousal RRSP strategies for income splitting in retirement.
How we help
- 1.Goal setting: Retirement age, desired income, and existing pensions.
- 2.Portfolio design: Diversification across asset classes and geographies.
- 3.Contribution strategy: Lump-sum vs. monthly PACs; catch-up contributions.
- 4.Ongoing rebalancing: Keep risk aligned as markets move.
Integration matters
- Coordinate RRSP with TFSA and employer plans.
- Plan for RRIF conversion and withdrawal sequencing.
Outcome: A clear, tax-smart path to your retirement number.
Note: Investment values fluctuate; past performance does not guarantee future results.