Sure Path Group

Navigating
your path to
Financial Security

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Navigating your
Path to Employee
Benefit Solutions

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Navigating your
Path to Travel
Protection

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Retirement

Retiring with peace of mind

Based on your specific needs and goals, investments can play a key role in your financial security plan and your ability to achieve your short- and long-term goals. Whether you are an individual investor or a business owner with employees, we can guide you through the different retirement plans. We have access to a wide range of savings and income products to meet your needs.

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Retirement Plans

It is our goal to make sure you understand the ins and outs of your retirement plan. We have access to multiple companies which will provide you with a peace of mind when it comes to planning your retirement. While your investments sit in your registered plan, the growth is tax sheltered so the total value of your plan grows more quickly.

Registered Retirement Savings Plan (RRSP)

  • An RRSP is a personal savings plan that allows you to save for the future on a tax-sheltered basis.

Spousal Registered Retirement Savings Plan (SRSP)

  • A Spousal RSP is a practical way of income splitting for couples. They can help defer taxes right away and reduce taxes in retirement

Registered Retirement Income Fund (RRIF)

  • When it comes time to withdrawal money from your RRSP, at age 71, we have the knowledge and expertise to find the right product for you to meet your short and long term goals. Analyzing your financial security plan and providing the right amount of retirement income is key to retiring with ease.

Benefits of Retirement Plans

  • Tax Deferred Growth – While your investments sit in your registered plan, the growth is tax sheltered so the total value of your plan grows more quickly.
  • Tax benefit – Your taxable income is reduced by the amount you contribute, up to a certain limit.
  • An RRSP can hold many different types of investment products.
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Locked-In Plans

Locked-In plans are investment vehicles which cannot be accessed until a specified retirement date, depending on the regulations of the plan. These plans are considered locked-in because if a portion of the investment is withdrawn, the owner will be taxed at a higher rate.

  • Locked-In Retirement Account (LIRA)
  • Life Income Fund (LIF)
  • Pensions

Benefits of Locked-In Plans

  • Locked-In Plans must be used for retirement income
  • Receiving the benefit from your employer who made contributions on your behalf
  • Tax Deferred Growth -While your investments sit in your registered plan, the growth is tax sheltered so the total value of your plan grows more quickly.
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