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Retirement Planning

Find guidance to and through your retirement.

When should you begin retirement planning?
It's never too early to begin planning for your retirement, yet the right strategy will align with your overall financial goals. Request a meeting with one of our advisors today to discover the retirement planning options that best support you and your family's future.
Request a Meeting

Retirement Products and Services

Registered Retirement Savings Plan (RRSP)

An RRSP is a personal savings plan that allows you to save for retirement while deferring taxes, helping your money grow more quickly.

Registered Retirement Income Fund (RRIF)

A RRIF is a tax-deferred retirement account that provides income by allowing you to withdraw funds from your former RRSP during retirement.

Tax Free Savings Account (TFSA)

A TFSA is a registered account that allows you to earn investment income tax-free on eligible contributions, with no taxes on withdrawals.

Locked-In Retirement Accounts (LIRA)

A LIRA is a retirement account that holds pension funds from a former employer and restricts withdrawals until retirement, with funds used to provide retirement income.

Non-Registered Plans

A non-registered retirement plan is an investment account that is not registered with the government for tax-deferred or tax-sheltered benefits,

Locked-In Income Fund (LIF)

A LIF is a retirement income account that allows you to withdraw pension funds transferred from a Locked-In Retirement Account (LIRA) within government-set minimum and maximum limits.

Term Certain Annuity*

A Term Certain Annuity is a retirement income product that guarantees regular payments for a fixed period, regardless of whether you are alive.

Life Annuity*

A Life Annuity is a retirement income product that provides guaranteed regular payments for your lifetime.

Ready to get started?

Contact the Wealth Management Team

David van Berkel, BBA, CFP®, CKA®, CPCA®

Financial Planner
Aviso Wealth

Denise Reilly

Wealth Associate
Aviso Wealth

Jamieson Melnyk

Mutual Funds Investment Specialist
Aviso Wealth

*Annuities are offered by Christian Wealth Strategies, a program provided by Aviso Insurance Inc. offering financial planning, life insurance and investments to members of Credit Unions and their communities. Trade-mark(s) of Christian Wealth Strategies are under license by Aviso Insurance Inc.
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. 
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