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Through our years of experience, we've also learned that while each channel has its own set of advantages, they all work best when strategically paired with other channels.

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Investments

Registered Retirement Savings Plan (RRSP)

An RRSP is one of the most effective ways Canadians can save for retirement while lowering their taxable income today. Contributions are tax-deductible and investments grow tax-deferred.

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$33,810 2026 maximum contribution limit
Tax-deductible Contributions reduce income now
Tax-deferred Growth until withdrawal
$60,000 Home Buyers Plan withdrawal
How it works
Getting covered is simple
1

Book a free call

Sri reviews your unique needs, goals, and budget — completely free with no pressure or obligation.

2

Compare top plans

We shop 20+ Canadian insurers to find you the best coverage at the most competitive rate.

3

Get covered fast

Meet Sri on Zoom or in person to submit your application. Many plans are approved within 24–72 hours—often with no medical exam required.

About this coverage
Save for Retirement and Reduce Your Taxes

An RRSP is a savings or investment account registered with the Canadian government. Contributions are tax-deductible, directly reducing your taxable income for the year. Investments grow tax-deferred until withdrawal, allowing your money to compound faster than in a taxable account. Your annual contribution limit is 18% of your previous year's earned income, up to a maximum of $33,810 for 2026.

RRSPs offer additional features including the Home Buyers' Plan (HBP) allowing first-time home buyers to withdraw up to $60,000 tax-free for a down payment, and the Lifelong Learning Plan (LLP) allowing withdrawals to fund full-time education. Unused contribution room carries forward indefinitely, giving you flexibility to contribute more in high-income years.

Key benefits
RRSP Advantages for Canadians

Immediate tax savings

Contributions directly reduce your taxable income — potentially lowering your tax bill significantly.

Tax-deferred compound growth

Investments compound inside the RRSP with no annual tax drag accelerating long-term wealth.

Home Buyers' Plan (HBP)

First-time home buyers can withdraw $60,000 tax-free from their RRSP toward a down payment.

Lifelong Learning Plan (LLP)

Withdraw RRSP funds tax-free to fund your own eligible full-time post-secondary education.

Common questions
Frequently asked questions
Your annual limit is 18% of your previous year's earned income up to $33,810 for 2026. Unused contribution room carries forward — check your Notice of Assessment from CRA for your exact available room.
An RRSP is best for retirement savings if you expect to be in a lower tax bracket in retirement than you are today. A TFSA is better for flexible savings and investments with tax-free withdrawals at any time. Many Canadians benefit from using both: RRSP for tax savings today, TFSA for flexibility and liquidity.
You must convert your RRSP to a Registered Retirement Income Fund (RRIF) or purchase an annuity no later than December 31 of the year you turn 71. Contributions to an RRSP must stop at that point.

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Licensed in BC, Alberta, Ontario & Nova Scotia • Powered by Experior Financial Group