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Investments are very important to your financial health because they are the cornerstone of your retirement and other life projects. Registered savings plans can offer you tax benefits, such as enable you to defer income (as in the case of a RRSP) until your retirement years.

When well integrated in your financial plan, they can help grow your wealth.

TFSA

The TFSA allows Canadian residents aged 18 and older to earn investment income tax-free.

  • Contributions to your TFSA are not tax deductible.
  • However, all earnings accumulated in the account or withdrawn from it are not taxable, federally or provincially.
  • The TFSA contribution limit for 2025 is $7,000 and will be indexed to inflation in $500 increments.
  • Withdrawn amounts and unused contribution room in a given year can be carried forward to the next year.
  • For an eligible individual who has never contributed to a TFSA since its creation in 2009, the current maximum contribution room would be $102,000.
  • You can give money to your spouse for contributions to his or her TFSA without the attribution rules applying.
  • In addition, a TFSA can generally contain similar types of investments to those in an RRSP.

Trust convention

Discuss it with your Advisor

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