Need more help?

Here’s a list of events, websites and tools to help on your RRSP journey.



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One comment on “Need more help?

  1. Another point about RRSP you might consider.
    There are two options for contributing: (1) tax shelter (2) income deferral. They are virtually the same but you may want to encourage clients to contribute to (2). A contribution to option (1) is subject to a hidden cost of tax.
    For example Doe in a 33.33% tax bracket contributes $5000 for refund of @1667.
    It requires $7500 income taxed $2500 to have $5000 to contribute. The extra $2500 income committed to the contribution, taxed $833, captures $1667 formerly available for expenses.
    This hidden cost of tax in the contribution is always equal to the refund.
    See more at


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