Investments

Our approach is personalized and strategy-driven, ensuring that each plan we create is uniquely tailored to align with your financial goals and accommodate your risk tolerance.

Investment Planning

Exceptionally collaborative, our process encompasses a series of systematic steps leading to a completely customized strategy for every client we advise.

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Discovery & Planning

We develop a deep understanding of your goals, immediate, medium and long-term. We ask a lot of questions. We dislike shortcuts.

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Proposal & Performance

This is your recommended investment and wealth building strategy discussed with, and approved by, you. We monitor portfolio performance and review it with you regularly.

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Reporting & Reviews

You will receive portfolio review statements, transaction updates and tax reports, either in the mail or from your desktop or phone with our modern reporting software. As your needs change, we adjust your investment plan and wealth building strategy accordingly.

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Investment Types

RRSP

RRSP

An RRSP (Registered Retirement Savings Plan) is a must-have for anyone planning their retirement. This government-registered account offers tax advantages to encourage Canadians to save for their post-working years. At Adams Financial, we help you select the right investments to maximize your RRSP contributions.

When might an RRSP be right for you?

  • When looking to save for retirement while also reducing your taxable income, as contributions to an RRSP are tax-deductible.
  • If you're aiming to capitalize on tax-sheltered growth, as the investments within your RRSP grow tax-free until withdrawal.
  • If you're interested in income splitting with a lower-income spouse or partner, as you can contribute to a spousal RRSP to lower your combined tax burden in retirement.
  • If you wish to plan your estate, since assets in an RRSP can be transferred to a spouse or dependent child on death without immediate tax consequences.
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Investments
TFSA

TFSA

The Tax-Free Savings Account (TFSA) is a popular choice as it allows investors to earn tax-free investment income, providing more flexibility and accessibility than other registered accounts. With our guidance, choose the right investments to make the most of your TFSA.

When might you open a TFSA?

  • If you've maximized your RRSP contributions and are looking for additional ways to save for retirement, a TFSA can provide a tax-efficient means to grow your investments.
  • If you need flexibility in your savings, as TFSAs allow you to withdraw funds at any time without tax penalties, making it a great choice for both long and short-term goals.
  • If you're planning for major life events like buying a car or home, getting married, or starting a family, a TFSA can help you save tax-free, and the money can be withdrawn when needed without affecting your tax situation.
  • If you're a low-income earner or anticipate being in a higher tax bracket in the future, a TFSA can provide tax-free growth, and withdrawals in retirement won't count as income and won't affect government benefits.
  • If you want to leave a tax-free inheritance to your beneficiaries, as TFSAs can be passed on to your spouse or common-law partner, or can be distributed tax-free to other beneficiaries.

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Investments
RESP

RESP

Planning for your child's education? RESP (Registered Education Savings Plan) is an ideal choice. This account allows you to save for your child's post-secondary education and offers tax advantages as well. At Adams Financial, we help you select the best investment options to maximize your RESP savings.

When might you open an RESP?

  • If you're a parent, grandparent, or close relative looking to start saving for a child's post-secondary education, opening an RESP is a wise decision. Contributions made towards this account can grow tax-free, providing a significant financial boost when the child is ready for college or university.
  • If you're aiming to capitalize on government grants, such as the Canada Education Savings Grant (CESG), which can add an extra 20% to your contributions up to a certain limit annually. The CESG is a great boost to help fund your child's future education costs.
  • If you foresee high tuition costs for your child's desired field of study, starting an RESP early can alleviate some of this financial burden. The earlier you start, the more time your investment has to grow.
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Investments
RRIF

RRIF

A Registered Retirement Income Fund (RRIF) is an investment account designed to provide Canadians with a steady income during retirement. It essentially carries forward the tax advantages of a Registered Retirement Savings Plan (RRSP), but unlike an RRSP, a RRIF is subject to minimum annual withdrawals. Once you turn 71, you must convert your RRSP into a RRIF or purchase an annuity. At Adams Financial, we can guide you through the nuances of managing a RRIF, helping you strategize your withdrawals to optimize your retirement income and minimize taxes.

When is it time to open a RRIF?

  • If you're approaching retirement age and have a significant amount of money saved in your RRSP, it's time to consider converting it into a RRIF. This will allow you to continue growing your investments while providing a steady stream of income during retirement.
  • If you want to control the timing and amount of your withdrawals from your retirement savings, a RRIF is an excellent option. You can choose to receive monthly, quarterly, or annual payments, depending on your needs.
  • If you want to continue investing and potentially earn higher returns during your retirement years while still having access to your funds when needed, a RRIF is a suitable choice.
  • If you're looking for tax advantages in managing your retirement income, our team at Adams Financial can help you navigate the intricacies of a RRIF and maximize your tax efficiency.
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LIRA

LIRA

A Locked-In Retirement Account (LIRA) is a government-regulated retirement savings plan designed primarily for those who have accumulated pension benefits through their employer. This kind of account is "locked-in," meaning funds cannot be withdrawn before your 55th birthday, in most cases. At this time, the accumulated savings in a LIRA must be converted into a Life Income Fund (LIF), providing a steady income stream during retirement. At Adams Financial, we can help you understand the specifics of a LIRA and how it can play a vital role in your retirement planning strategy.

When to consider a LIRA?

  • If you've left your job and have accumulated pension benefits, a LIRA is an excellent option for managing these funds until retirement. It allows you to continue growing your investments while providing a steady income stream in retirement.
  • If you're looking for flexibility in managing your retirement income, a LIRA can be converted into a LIF, giving you control over how much and when you withdraw funds during retirement; keeping in mind that there is a maximum annual withdrawal amount.
  • If you want to ensure that your retirement savings are protected and continue to grow until you reach retirement age, our team at Adams Financial can help you set up and manage a LIRA according to your specific needs and goals.
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Investments
FHSA

FHSA

The First Home Savings Account (FHSA) is an initiative to make homeownership more accessible for first-time buyers. This plan allows Canadians to save up to $40,000 toward their first home, tax-free. The amount contributes directly to the down payment for a first home, thus reducing the burden of mortgage loans. At Adams Financial, we provide expert guidance on using this account to its full potential.

When is the FHSA right for you?

  • If you're a first-time homebuyer looking for ways to save for your down payment hassle-free, it's an excellent way to reach your homeownership goal faster with deductible contributions and tax-free gains when you withdraw to purchase your home.
  • If you're over 18 and looking for a way to save to purchase your first home within the next few years, using this account can help you achieve your dream of owning a home.
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Investments

Investment Types

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Find Comfort in Your Future

Experience the peace of mind that comes from a well-orchestrated financial strategy, paving a confident route to a stable and prosperous future.

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