Investment Planning
At Brunelle Financial Planning Group Ltd., we offer a wide range of investment options designed to help you achieve your financial goals. Whether you’re saving for retirement, education, or long-term growth, we provide personalized strategies that align with your objectives and risk tolerance.
Registered Retirement Savings Plan (RRSP)
An RRSP is a powerful tool for retirement savings, offering tax-deferred growth and immediate tax benefits. By contributing to an RRSP, you can reduce your taxable income while investing for your future, ensuring financial security during retirement.
Tax-Free Savings Account (TFSA)
A TFSA provides tax-free growth on your investments, making it an ideal option for short- and long-term savings goals. Whether you’re saving for a major purchase or building a rainy-day fund, the TFSA allows you to withdraw funds without tax implications.
Registered Education Savings Plan (RESP)
An RESP helps you save for your children’s post-secondary education by offering tax-deferred growth and access to government grants. We’ll work with you to maximize contributions, ensuring your loved ones have the financial support they need for their future education.
Non-Registered Accounts
Non-registered accounts offer flexibility and a wide range of investment options for those looking to grow their wealth outside of registered plans. These accounts are ideal for individuals who have maximized their contributions to registered plans and want additional growth opportunities.
Registered Retirement Income Fund (RRIF)
Once you retire, an RRSP can be converted into an RRIF, providing a steady income stream while your investments continue to grow tax-deferred. Our team helps you structure withdrawals to maximize income while preserving your wealth for the long term.
First Home Savings Account (FHSA)
The FHSA is a new savings vehicle designed to help first-time homebuyers save for their home. Contributions are tax-deductible, and withdrawals for the purchase of a home are tax-free, making this an attractive option for those looking to enter the housing market.