Investment Planning
Grow Your Savings With a Plan Built Around Your Goals
Saving is a good start. A plan makes it work harder: the right accounts, the right mix of growth and protection, and a timeline that matches your goals.
- Licensed in Canada
- Free, no-obligation advice
- English & Farsi
Why it matters
Investment Planning at a Glance
01
Right account
TFSA, RRSP, or both, based on your income and goals.
02
Right risk
A mix of investments that matches your comfort level.
03
Protection options
Segregated funds add guarantees and estate benefits.
Your options
TFSA or RRSP?
Most families benefit from using both.
Tax-free growth
TFSA
Flexible savings for any goal
- Growth and withdrawals are tax-free
- 2026 limit: $7,000; up to $109,000 total if eligible since 2009
- Withdrawn amounts are added back the next year
- Does not affect government benefits
Tax break today
RRSP
Built for retirement
- Contributions reduce your taxable income
- Tax-deferred growth until withdrawal
- Up to $33,810 for 2026, based on earned income
- Converts to a RRIF by age 71
Segregated funds
Growth Potential With Built-In Protection
Segregated funds are investment funds offered through life insurance companies.
- Maturity and death benefit guarantees, typically 75% to 100% of deposits, reduced for withdrawals
- With a named beneficiary, proceeds can pass outside your estate, avoiding probate
- Potential creditor protection in certain circumstances
- Higher fees than regular funds, so we compare before recommending
How it works
Four Simple Steps
- GoalsWe clarify what you are saving for and when.
- RiskWe assess how much market movement you are comfortable with.
- AccountsWe choose the right accounts and products.
- ReviewWe review your plan regularly and adjust as needed.
Questions
Frequently Asked Questions
How much TFSA room do I have?
Your room is shown in CRA My Account. If you were 18 or older and resident in Canada since 2009 and never contributed, you have $109,000 in 2026.
What makes segregated funds different?
They are insurance contracts with guarantees on your deposits at maturity or death, and they can pass directly to a named beneficiary.
Are investments guaranteed?
No. Values change with the markets. Segregated funds guarantee a portion of deposits at maturity or death, subject to their terms.
Talk to an advisor
Meet Our Licensed Advisors
Choose the advisor who fits you best, view their profile, and book a free consultation directly in their calendar.
Sina Kia
Founder & Licensed Advisor
Not Sure Where to Start?
Book a free, no-obligation consultation. We will listen, answer your questions, and explain your options in plain language.
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Any amount allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. Investments are not guaranteed. Past performance may not be repeated. This page is for general information and is not personalized advice. Disclosure