Investments Made Easy

REACH OUT TO SPEAK TO AN ADVISOR

At Family First Insurance & Investments, we develop customized strategies to help you achieve your financial goals, whether personal or business-related. Whether you’re building wealth, saving for retirement, or corporately investing, we help you make the right decisions to craft a diversified, tax-efficient strategy you can stick with.

Invest today
Shape your future

Registered Investments

Registered investment accounts, like RRSPs and TFSAs, offer tax-efficient options for growing your wealth over time. These plans are designed to help individuals save for the future while minimizing taxes. We’ll assist you in selecting the best registered options to align with your financial objectives.

LEARN MORE
Registered accounts overview
Non-registered investing

Non-Registered Investments

Non-registered investments provide flexibility for those who are looking to grow their wealth without the restrictions of registered accounts. They offer a wide range of asset options, enabling strategic investments across multiple markets with accessible returns.

LEARN MORE

Investments for Corporations

Corporate Investment Strategies

Corporate investment strategies, including corporate-owned whole life policies and corporate-insured retirement plans, are effective tools for business owners aiming to strengthen their financial security. These strategies optimize tax efficiency, build wealth for the long term, and provide valuable benefits for key employees.

LEARN MORE
Corporate investing
Group RRSP and DPSP

Group RRSPs

Group RRSPs enable businesses to provide employees with a valuable retirement savings option. This not only boosts employee motivation and loyalty but also offers tax benefits for both the employer and employees. A Group RRSP plan helps your team secure their financial future while allowing you to offer a competitive benefit.

LEARN MORE

Why Invest With Us?

Still have questions?

Reach out to speak to an advisor and get clear guidance.

Speak to an advisor

Frequently asked questions

What advantages do registered investments provide?
Key benefits include tax-deferred growth and potential tax credits. Contributions may also be deductible, helping you grow savings faster while deferring immediate tax obligations.
What happens when an employee leaves the company?
Employees can transfer their RRSP savings into another registered account without penalty. This ensures their retirement funds remain under their control, even when they change jobs.
Are employers required to contribute?
Employer contributions are optional. Many organizations, however, choose to match employee contributions to encourage participation and accelerate retirement savings growth.
Can employees access funds before retirement?
Yes. Withdrawals from a Group RRSP are possible but taxed. Programs such as the Home Buyers’ Plan (HBP) and the Lifelong Learning Plan (LLP) allow withdrawals without tax if certain conditions are met.
How does a Group RRSP compare to a pension plan?
Group RRSPs are more flexible, allowing employees to adjust contributions according to personal goals. Pension plans, by contrast, often have fixed contribution requirements.
Who should consider non-registered investments?
They’re a good choice for those who have maximized RRSP or TFSA contributions and want additional growth opportunities. They also work well for people who may need quicker access to their funds.
Can I hold different types of investments?
Yes. Non-registered accounts let you diversify across asset classes like stocks, bonds, ETFs, mutual funds, and segregated funds—helping balance risk and potential returns.
How do non-registered accounts differ from RRSPs?
Non-registered investments have no contribution limits and allow withdrawals at any time without penalties, offering greater flexibility compared to RRSPs.
Are withdrawals from non-registered investments taxable?
Yes. Capital gains and dividends are taxed, though capital gains are usually taxed at a lower rate than regular income.
Can I withdraw from registered investments?
Yes, but tax treatment depends on the account type. TFSA and FHSA withdrawals are tax-free, while RRSP withdrawals are generally taxable. We’ll guide you through the rules for your specific plan.