Money Products

There are many products that can be purchased to help you reach your financial goals. RRSPs, Tax Free Savings Accounts, Children’s Educational Plans and high interest rate savings accounts are great starting points to learn more about.


Any time is a good time to consider your RRSP contribution. RRSP contributions continue to be an important part of a retirement savings plan due to the significant immediate tax break they offer and the ever increasing need to take responsibility for one’s financial future.

Saving for retirement is a significant part of the overall planning picture. RRSP’s allow you to do so on a tax-sheltered basis and help lower your taxes in the year of your investment. Your lifestyle change needs to be funded properly and regularly.


The Tax-Free Savings Account (TFSA) is the most exciting innovation in personal savings since the creation of the Registered Retirement Savings Plan (RRSP) by the government of Canada.

A TFSA is a registered savings vehicle that allows your investments to grow and be withdrawn tax free. Within a TFSA, you can hold a wide range of qualified investments such as stocks, bonds, mutual funds, segregated fund contracts and GICs.

Segregated Funds

Segregated funds may be an important consideration as they offer probate, creditor protection and other guarantees that are important for business owners and people nearing retirements.

Education Plans

A registered education savings plan (RESP) is one of the most effective ways of saving for a child’s post-secondary education costs. The Government of Canada allows savings for education to grow tax free and has a matching grant program (CESG). The sooner you begin to invest, the higher the amount that will be available for your child or grandchild to assist them in their post-secondary studies.

Helping to fund a child’s post-secondary education is one of the most important investments you can make in his or her future, especially in today’s competitive environment where a good education is crucial to success. Yet, with the rising cost of tuition fees and living expenses, personal savings alone may not be enough to cover the cost of higher education.

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Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through CBS Financial Directions. View Manulife Securities Disclaimers

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