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Saving Plans

Take Control of your investments today. Build Confidence about your Goals for Tomorrow. There's choice when it comes time to invest for your future goals. Knowledgeable support. Educational resources. With our helpful advice, you'll find the plans that may be suitable for you.

Registered Retirement Savings Plan (RRSP)

A Registered Retirement Savings Plan (RRSP) is a retirement savings and investing vehicle for employees and the self-employed in Canada. Pre-tax money is placed into an RRSP and grows tax-free until withdrawal, at which time it is taxed at the marginal rate.

With an RRSP, you will save for retirement while saving on your taxes every year in which you make contributions. According to Statistics Canada, for households in higher tax brackets (higher incomes), an RRSP would be more profitable than a TFSA and should be maximized first.

Because your situation is unique, our financial security advisors can help you determine your needs and help you find the best solution for your situation

Benefits of an RRSP
- Grow your savings tax-free: your contributions and the earnings they generate are not taxed as long as they stay in the RRSP.
- Contributions are deducted in full from your taxable income, which entitles you to tax refunds.
- The sums accumulated can be used for retirement, but also to buy or build a home, thanks to the Home Buyers' Plan, or to pay for your education if you go back to school thanks to the Lifelong Learning Plan

Contribution Limit
Your right to make an RRSP contribution for one year depends on your earned income for the previous year. For 2020, your contribution will be limited to 18% of your 2019 earned income, to a maximum of $27,230 plus any carry-forward contribution room that you may have

Constribution age Limit
December 31 of the year you turn 71 years old is the last day that you can contribute to your RRSPs

Success Story

See What our Clients say?

More than a decade we are helping our clients for choosing right insurance plan for their needs and we can proudly say that our clients are more than happy by services that we are providing them. We have 5 star rating over google and here are few clients feedback.

Great place to get insurance. Rajwinder Kaur offers exceptional customer service and best rates in town. She explains all the requirements of the insurance. I highly recommend Rajwinder’s services every time for all your insurance needs.

I am getting insurance services from Rajwinder from seven years, she provided me very good advice for insurance. I got my children RESP from her and my life Insurance. She helped me to file claim for my mother and I got claim on time.

I had taken insurance for a family member. Not only did Rajwinder Ji give me the right advise on selection of the insurance company, she did a wonderful job in guiding and assisting me in submission of a claim, guiding me through every step and also following-up on her own on my status of collecting the required documents from the Doctor's office & health authorities. She eventually reviewed the completeness of my claim and thanks to her efforts, it was processed successfully. Great customer service from an expert. Thanks Rajwinder Ji!


Insurance Advisor
Rajwinder Kaur

8128 128 Street
Surrey, BC, V3W 1R1

Contact details

E-mail address:

+1 (604) 603-1303

Available 08:30am - 09:00pm (Mon - Fri)

08:30am - 07:30pm (Saturday)

09:30am - 07:30pm (Sunday)