INVESTMENT SERVICES

I offer a full range of investment and savings plans designed to help you secure your financial future while aligning with your values.

Whether you're planning for retirement, saving for your children's education, or preparing for your first home, my personalized solutions provide peace of mind and long-term stability. I'm here to guide you every step of the way, helping you build a financial foundation for yourself and your loved ones.

1. Registered Retirement Savings Plans (RRSPs)

Save for retirement.
Tax-deferred contributions and growth.
RRSPs allow you to invest for the future while reducing your taxable income today, providing a powerful tool for long-term financial security.

2. Group RRSPs and Pension Benefit Plans

Employers can offer group RRSPs and pension plans to help employees save for retirement.
These plans provide:
- tax advantages
- ease of payroll deductions
- potential employer contributions for a more robust retirement

3. Registered Retirement Income Funds (RRIFs)

Convert your RRSP savings into a steady income stream in retirement.
RRIFs allow you to withdraw funds while continuing to grow your investments, ensuring you have the financial resources you need throughout retirement.

4. Tax-Free Savings Plans (TFSAs)

Grow your savings tax-free with a TFSA.
Whether you're saving for a short-term or long-term goal, TFSAs allow you to withdraw funds anytime without tax penalties, offering flexibility and tax efficiency.

5. First Home Savings Account (FHSAs)

A special savings plan designed to help buyers save for their dream home.
Contributions are tax-deductible.
Withdrawals for the purchase of a home are tax-free. (Certain conditions apply.)

6. Annuities (Guaranteed Income For Life)

Secure a lifetime income with annuities.
By investing a lump sum, RRSP, or RRIF, you receive guaranteed regular payments for life, ensuring financial stability throughout your retirement years.

7. Registered Education Savings Plans (RESPs)

Invest in your child's future eduction with an RESP, which allows you to save for post-secondary education.
Benefit from:
- government grants
- tax-sheltered growth
It’s a smart way to ensure your children’s educational expenses are covered.

8. Guaranteed
Investments

Protect your savings with guaranteed investment options.
These investments offer a secure way to grow your wealth, ensuring that your principal is protected while still earning returns year after year.
Perfect for risk-averse investors seeking stable growth.

CONTACT DAVID

Contact me today for a free consultation and let me guide you toward financial peace of mind with faith-centered solutions.

Call (902) 439-0068

Email david@ihsfinancialservices.ca

BOOK AN APPOINTMENT WITH DAVID