Ontario · Relationships for life — across generations.
RRSPs, TFSAs, and non-registered plans
Insurance is how most people meet Habib. The accounts that grow what you keep — RRSP, TFSA, non-registered — are how the same advisor stays useful for decades.
RRSP
A Registered Retirement Savings Plan defers tax on money you put in, and on growth, until you take it out. Contribution room and what belongs inside an RRSP depend on your income and the rest of your picture. Habib walks that through on the call.
TFSA
A Tax-Free Savings Account lets growth and withdrawals out without tax, if you stay within your room. Useful for money you may need before retirement, or alongside an RRSP. Not a toy account — treat the room as scarce.
Non-registered
Money that does not fit registered room still needs a plan. Non-registered accounts are that overflow. Interest, dividends, and capital gains are taxed differently than inside an RRSP or TFSA. Details on the call — nothing here is tax advice.
How to start
These are not instant-quote products. Leave a number. Habib’s broker will call within one business hour — usually Habib — and map what you already have before selling you anything new.
Ask about RRSP & TFSA
Habib’s broker will call within one business hour — usually Habib. Or dial (647) 512-7271 now.