Non-Registered Investments

These accounts provide greater liquidity and flexibility than many other options, making them a valuable tool for long-term financial planning. Whether you’re preparing for retirement, saving for a major purchase, or structuring your estate, they offer a versatile and customizable way to grow and manage your wealth.

Invest with flexibility.
Grow with discipline.

Build Unlimited Wealth

Non-registered investments provide the flexibility to invest without the annual contribution limits of RRSPs or TFSAs. They allow you to diversify across a wide range of assets such as stocks, bonds, ETFs, mutual and segregated funds while giving you full control over your investment strategy.

Grow Your Future

At Family First Insurance, we provide you with the tools and information to build your future with confidence. Our mission is to guide you through smart, flexible investment options that align with your unique financial goals, ensuring you can grow your wealth securely and sustainably.

Key Benefits of
Non-Registered Investing

Non-registered accounts add flexibility once registered room is used and let you fine-tune taxes, liquidity, and risk across all your accounts.

01Maximized Growth

You can invest without limits, allowing your wealth to grow freely. This is particularly valuable for those who have maxed out contributions in other accounts, like RRSPs and TFSAs.

02Tax Efficiency

Non-registered investments can provide valuable tax advantages to help build your wealth. With thoughtful tax planning, you can minimize your tax burden and maximize long-term growth.

03Flexibility

Non-registered investments provide the freedom to access your funds whenever needed, without the penalties or limitations typically found in registered accounts. This flexibility is especially beneficial for those with fluctuating financial requirements.

Corporate insured retirement plans

A Corporate Insured Retirement Plan (CIRP) is a tax-efficient strategy for building wealth within a corporation, often designed to create retirement income for business owners and key employees. By combining the protection of life insurance with the potential for investment growth, a CIRP provides a reliable and strategic financial solution for the future.

Corporate owned life insurance

Corporate-Owned Life Insurance (COLI) offers business owners a tax-efficient way to build wealth inside their corporation. By leveraging life insurance as both protection and an investment tool, it can create corporate liquidity while also supporting long-term estate and succession planning.

Build your non-registered plan

Get a flexible, tax-aware portfolio aligned to your goals.

Speak to an advisor

Frequently Asked Questions

Are withdrawals taxed?

Yes. Earnings such as capital gains, interest, and dividends are subject to taxation. Capital gains, however, are generally taxed at a lower rate than other types of income.

How do non-registered investments differ from an RRSP?

Non-registered accounts have no contribution limits and allow you to access your funds at any time without penalties, providing greater flexibility than registered plans like RRSPs.

Can I invest in different types of assets?

Absolutely. Non-registered accounts allow you to build a diversified portfolio, including options like stocks, bonds, mutual funds, and ETFs.

Who is this suitable for?

These accounts are ideal for individuals who have maximized their RRSP or TFSA contributions and want flexible access to funds before retirement.