Registered accounts include RRSP, LIRA, RRIF, LIF, LRIF and RESP's.

Registered accounts such as Registered Retirement Savings Plans (RRSP’s) provide you with the vehicles to build and grow your portfolio in a tax-advantaged manner.

A LIRA is better known as a locked-in RRSP. The rules found in the Income Tax Act with respect to an RRSP apply to your LIRA.

Registered Retirement Income Fund (RRIF’s) allows you the opportunity to draw from your investment s in accordance with Canadian Government guidelines.

A LRIF is a Locked-in Retirement Income Fund option that provides retirement income for life from funds which originate from an eligible registered pension plan or LIRA. This investment plan is regulated by the Income Tax Act and governed by provincial or federal pension benefits legislation.

A Life Income Fund is a Locked-in Retirement Income Option investment plan that allows you to convert Locked-in RRSPs or LIRAs (Locked-in Retirement Account) to income. This plan is regulated by the Income Tax Act and governed by provincial or federal pension benefits legislation.

Whether you are planning for your family’s future educational needs and require Registered Education Savings Plans (RESP”s) or building a nest egg for the future, your PWM Capital Investment Advisor will ensure the necessary and appropriate solutions are available to you regardless of your stage in the investment cycle.