Savings Accounts

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Choosing the best savings account for your personal goals

With increased flexibility and self-serve options, saving can be easy. Not sure which type of savings account is right for you? Whether you are saving for your child’s education or simply want to grow your investment portfolio, our team will work with you to determine the best choice for your unique needs and financial goals.


A tax-free savings account, or TFSA, is a registered investment program. With this type of account, you can contribute up to $5,500 a year* and choose the types of investments you want to make.

Key features:

  • You don’t pax tax on the money you earn
  • You can withdraw funds at any time without penalty
  • You can re-contribute money that you withdraw

To find out if a TFSA is right for you, speak to one of our advisors today.

*you can make up contributions you may have missed since the program started in 2009


A registered education savings plan, or RESP, allows family members to save for child’s post-secondary education. With rising education costs, this type of tax-sheltered savings account helps you plan ahead for your children’s future.

Key features:

  • Can be set up for any beneficiary—children, grandchildren, nieces, nephews, or family friends
  • You could be eligible for additional government grants and incentives
  • Your savings grow tax-free in the plan

An RESP is a great way to give your children a head start while helping you stick to a savings plan. Contact us today to get in touch with an expert advisor, who will get to know your specific financial goals and help you put together a plan to reach them.

Non-Registered Investments

Unlike registered investments, non-registered investments have fewer restrictions; you can invest as much money as you like, in the investment types that you prefer. These plans aren’t tax sheltered, so you need to report any income you earn on your tax returns.

You may prefer this type of investment if:

  • You’ve maxed out your RRSP and TFSA contributions
  • You want to have more control over where and how you invest
  • You want to save for something short-term
  • You want greater liquidity
  • You’d like to save for children or grandchildren with an in-trust account

If you want greater flexibility over your savings, a non-registered investment may be right for you. Our team of expert advisors can help you gain a better understanding of your options — contact us today.

Contact IJʿ Financial Solutions

Mutual funds and segregated funds provided by the Fund Companies are offered through Worldsource Financial Management Inc. Other products and services are offered through IJʿ Benefits Ltd.

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Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus and/or fund fact sheet before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated. *Mutual Funds are offered through Worldsource Financial Management Inc. Other Products and Services are offered through IJʿ Benefits Ltd./IJʿ Financial Solutions. Worldsource Financial Management Inc. is responsible only for mutual fund-related business activities conducted by its Registrants and is not responsible for any other business interests and activities undertaken by its Registrants or by IJʿ Benefits Ltd./IJʿ Financial Solutions. All information provided here is believed to be accurate and reliable, however, we cannot guarantee its accuracy and WFM will not be held liable for any inaccuracies in the information presented, nor will WFM be held liable for any software damages resulting from the use of this website. Mutual funds are offered in Canada only. This Internet Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation. Worldsource website .

Mutual funds and segregated funds provided by the Fund Companies are offered through Worldsource Financial Management Inc. Other products and services are offered through IJʿ Benefits Ltd./IJʿ Financial Solutions.