Individual RRSPs

Planning for your future is an important component of protecting your lifestyle and assets. Canada introduced Registered Retirement Savings Plans (RRSPs) in 1957 to promote savings for retirement for both employees and self –employed people. RRSPs are for holding your savings and investment assests.

RRSP accounts are set up with either one or two associated individuals:

An Individual RRSP is associated with one person, the account holder or contributor as only they contribute money to their RRSP.
A Spousal RRSP allows the higher income earner of a marriage or common law union, the spousal contributor, to contribute to an RRSP in their spouse's name. However the spouse is the account holder as the RRSP is held in their name. A spousal RRSP is a means of splitting income in retirement. They divide the investment properties between both spouses and each spouse will receive half the income, and therefore the marginal tax rate will be lower than if one spouse earned all of the income.

Are you a Group RRSP Plan Member and need to transfer your savings out of your group plan?

We can assist and coordinate the transfer of group RRSP plans into a personal plan therefore maintaining your investments. Most providers offer an easy movement of group savings into personal plans guaranteeing the same interest rate and maturity date so your money continues to work for you. Convenient and flexible options for making contributions to your new personal plan can be via lump sum payments or pre-authorized chequing (PAC).

We find the answers and solutions you need to make the best decision. We ensure to strategically align with various partners in the financial investment sector and won’t hesitate to provide you contact to the best of the best for your needs.

Contact one of our Benefits Specialists today and let’s get working with you! Email us at better@hubbardinsurance.com or call 905.696.9090 where you’ll be “Well Advised. Well Protected^TM.”

Alternatively fill out the Get a Quote form and we will contact you as soon as possible.

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Registered Retirement Savings Plans (RRSPs)