A Registered Retirement Savings Plan (RRSP) is one of the most powerful tools available to Canadians looking to grow their wealth and reduce taxes. Whether you’re starting your career, building your family, or preparing for retirement, an RRSP helps you save efficiently while benefiting from valuable tax advantages.
At Hilltop Financials, we create personalized RRSP strategies that maximize your contributions, minimize taxes, and align your investments with your long-term financial goals.
An RRSP is a government-registered account that allows you to
RRSPs are ideal for Canadians who want to ensure financial security in retirement while taking advantage of generous tax benefits.
Every dollar you contribute reduces your taxable income.
For example:
If you earn $80,000 and contribute $10,000 to your RRSP, you may save $2,500–$3,500 in income tax depending on your province.
RRSP investments (stocks, bonds, mutual funds, ETFs, GICs, etc.) grow tax-free until withdrawal, maximizing long-term compounding.
Your RRSP can include ETFs, Mutual funds, Bonds, Stocks, GICs, and Managed portfolios.
Hilltop Financials helps you choose the right mix based on your risk tolerance and goals.
RRSPs are especially valuable for Canadians in higher tax brackets, offering large tax reductions.
RRSPs allow:
Hilltop ensures your strategy supports both short-term and long-term financial needs.
We calculate your available room, recommend optimal contributions, and help you decide how much to invest each year.
Hilltop Financials provides guidance on the most tax-efficient withdrawal strategy.
Many Canadians struggle with choosing between an RRSP and a TFSA. The right choice depends on your income level and retirement goals.
We tailor each investment mix to your time horizon, risk comfort, and retirement goals.
For low-risk investors, includes GICs, bonds, and stable income funds.
Mix of equities and fixed income for long-term growth with moderate volatility.
Higher equity exposure to maximize long-term returns.
Options for investors who value environmental, social, and governance (ESG) principles.
We help you grow your retirement savings with confidence and clarity.
Start building for a secure and comfortable retirement. Our advisors create customized RRSP strategies that maximize growth and reduce taxes.
