Choose the Right Investment Account for Your Financial Goals
Investment success is not only about what you invest in. It also depends on where your investments are held — RRSP, TFSA, non-registered, corporate, or a combination.
RRSP
Useful for retirement savings, tax deductions, and long-term tax-deferred growth.
Explore RRSP Planning →TFSA
Useful for tax-free growth, flexible withdrawals, retirement income, and emergency access.
Explore TFSA Strategies →Non-Registered
Useful when registered contribution room is used and additional flexible investing is needed.
Compare Account Types →Corporate Investments
For incorporated professionals and business owners coordinating retained earnings, corporate cash, tax planning, and retirement goals.
Explore Corporate Planning →FHSA
Designed for eligible first-time home buyers, combining tax-deductible contributions with tax-free withdrawals for a qualifying home purchase.
Explore FHSA Planning →RESP
Save for a child's post-secondary education while benefiting from tax-deferred growth and valuable government education grants.
Explore RESP Planning →Choose the Right Investment Strategy
Successful investing is not only about selecting an account or investment product. It also requires a clear strategy based on your goals, time horizon, risk tolerance, cash flow, and changing financial priorities.
Investment Fundamentals
Understand the basics of investing, including growth, income, compounding, volatility, fees, diversification, and the relationship between risk and return.
Explore Investment Fundamentals →Diversification
Learn how spreading investments across asset classes, industries, geographic regions, and investment styles may help reduce concentration risk.
Explore Diversification →Risk & Asset Allocation
Coordinate your mix of equities, fixed income, cash, and other investments with your risk tolerance, capacity for loss, timeline, and financial goals.
Review Risk & Asset Allocation →Dollar Cost Averaging
Build a disciplined investment habit by contributing regularly instead of trying to predict short-term market highs and lows.
Explore Dollar Cost Averaging →Long-Term Investing
Understand how patience, compounding, regular contributions, rebalancing, and staying invested may support long-term wealth creation.
Explore Long-Term Investing →Goal-Based Investing
Connect each investment decision to a specific purpose such as retirement, education, a home purchase, income generation, business goals, or legacy planning.
Build My Investment Strategy →Not Sure Which Investment Strategy Fits Your Goals?
A personalized review can help coordinate your goals, investment timeline, risk profile, account selection, and existing portfolio.
Schedule My Investment Strategy Review →Explore the Right Investment Solutions
The right investment solution depends on your goals, risk profile, time horizon, tax situation, income needs, and preferred level of professional management.
Mutual Funds
Professionally managed pooled investments that may provide access to diversified portfolios across equities, fixed income, and other asset classes.
Explore Mutual Funds →Segregated Funds
Insurance-based investment contracts that may include maturity or death benefit guarantees, beneficiary designations, and potential estate-planning advantages.
Explore Segregated Funds →Managed Portfolios
Professionally structured portfolios designed around specific risk levels, objectives, timelines, and ongoing portfolio management needs.
Explore Managed Portfolios →Corporate Investing
Investment planning for retained corporate earnings while considering liquidity, taxation, business objectives, shareholder needs, and long-term wealth goals.
Explore Corporate Investing →Income Portfolios
Portfolios designed to support regular income needs using a coordinated mix of fixed income, dividends, distributions, cash reserves, and growth assets.
Explore Income Portfolios →ESG & Responsible Investing
Explore investment approaches that consider environmental, social, and governance factors alongside financial objectives and portfolio suitability.
Explore Responsible Investing →Not Sure Which Investment Solution Fits Your Needs?
A personalized review can help compare investment solutions based on your objectives, account type, risk tolerance, tax situation, income needs, and time horizon.
Schedule My Investment Solutions Review →Structure Your Investments With Tax Efficiency in Mind
Investment planning is not only about what you own. It also involves deciding which accounts to use, where different investments may be held, how income is taxed, and how savings can support retirement and long-term financial goals.
RRSP Strategies
Coordinate RRSP contributions, deductions, contribution timing, investment choices, and future withdrawals with your current and expected retirement tax position.
Explore RRSP Strategies →TFSA Strategies
Use tax-free growth and flexible withdrawals strategically for retirement income, emergency savings, major purchases, estate planning, and long-term wealth accumulation.
Explore TFSA Strategies →Non-Registered Planning
Plan taxable investment income carefully by considering interest, dividends, capital gains, tax-loss opportunities, liquidity needs, and coordination with registered accounts.
Explore Non-Registered Planning →Corporate Tax Planning
Coordinate retained earnings, passive investment income, liquidity, shareholder withdrawals, retirement funding, and corporate investment decisions with professional tax advice.
Explore Corporate Tax Planning →RRSP to RRIF
Prepare for the transition from retirement savings to taxable retirement income by reviewing conversion timing, withdrawal levels, investment mix, and income needs.
Explore RRSP to RRIF Planning →Retirement Income Planning
Coordinate CPP, OAS, workplace pensions, RRIF withdrawals, TFSA income, taxable investments, corporate assets, and cash reserves to support sustainable retirement income.
Build My Retirement Income Strategy →Tax Efficiency Comes From Coordination
The most suitable structure may involve several accounts working together. The objective is to balance current tax deductions, future taxable income, flexibility, liquidity, estate goals, and long-term investment growth.
Are Your Investments Held in the Right Accounts?
A coordinated review can help identify opportunities involving RRSPs, TFSAs, non-registered accounts, corporate investments, retirement income, and withdrawal planning.
Schedule My Tax-Efficient Investment Review →Tax rules and individual circumstances vary. Investment planning should be coordinated with qualified tax and legal professionals where appropriate.
What Could Your Savings Provide in Retirement?
Explore how your current savings, ongoing contributions, investment return and retirement timeline may shape your future portfolio and potential retirement income.
- ✓ Project your future savings
- ✓ Estimate retirement income
- ✓ Compare inflation-adjusted values
Future Value & Retirement Income Planner V2.0
Project how your savings may grow, compare multiple contribution strategies, estimate inflation-adjusted retirement income, and create a professional client-ready planning report.
Your Savings and Retirement Assumptions
Enter your current savings, contribution strategy, expected returns, retirement timing, and income assumptions.
Model, Compare & Build Your Investment Strategy
Use our interactive planning tools to estimate investment growth, evaluate retirement readiness, compare strategies, and explore different financial scenarios.
Investment Growth Calculator
Estimate how regular contributions, investment returns, and time may affect future wealth accumulation.
Launch Calculator →Rate of Return Calculator
Calculate your compound annual growth rate (CAGR) and compare long-term investment performance.
Calculate Return →Retirement Gap Analyzer
Determine whether your retirement income is likely to meet your future lifestyle goals.
Analyze Retirement →Portfolio Assessment
Review diversification, risk level, asset allocation, and identify potential portfolio gaps.
Review Portfolio →Glidepath to Retirement
See how your investment allocation may gradually evolve as retirement approaches.
View Glidepath →Retirement Scenario Modelling
Compare different retirement ages, savings levels, withdrawal strategies, and income scenarios to better understand possible outcomes.
Explore Scenarios →Turn Investment Questions Into Clearer Decisions
Explore three interactive calculators designed to help you evaluate investment performance, understand compound growth, and estimate what may be required to achieve greater financial independence.
Rate of Return Calculator
Evaluate how your investment has performed by measuring overall ROI, annualized return, inflation-adjusted real return, and performance relative to a benchmark.
Rule of 72 Calculator
Estimate how long an investment may take to double, calculate the approximate return required, and visualize compound growth over time.
Financial Freedom Calculator
Estimate the investment assets, savings, timeline, and income required to support your desired lifestyle with greater financial independence and flexibility.
Learn Before You Invest
Explore practical videos, articles, guides, and frequently asked questions designed to help you understand investment concepts, account choices, market behaviour, risk, taxation, and long-term planning.
Investment Videos
Watch clear, practical videos on investment fundamentals, diversification, market volatility, long-term wealth building, account strategies, and retirement investing.
Watch Investment Videos →Investment Articles
Read educational articles on RRSPs, TFSAs, corporate investing, segregated funds, market risk, tax-efficient investing, and retirement income strategies.
Explore Investment Articles →Investment Guides
Access checklists, comparison guides, planning worksheets, and educational resources to help organize your investment questions before meeting with an advisor.
Explore Investment Guides →Investment FAQs
Find answers to common questions about investment risk, fees, contribution limits, account types, market downturns, withdrawals, taxation, and portfolio reviews.
View Investment FAQs →Start With the Topic Most Relevant to You
Use these topics as a starting point for your investment education and planning conversations.
Ready to Connect the Information to Your Financial Goals?
Educational resources are a useful starting point. A personalized review can help connect your investment accounts, portfolio strategy, risk profile, tax position, retirement goals, and existing financial plan.
Pension & Workplace Retirement Planning
Your workplace pension and employer-sponsored savings plans may form an important part of your retirement income. Understand your options, benefits, contribution opportunities, and the decisions that may arise as retirement approaches.
Explore Financial Education at Your Own Pace
Open a category below to explore educational videos, financial calculators, practical articles, guides and specialized planning resources.
Educational Videos Resources
Watch practical, easy-to-understand videos covering protection, retirement, investments, workplace benefits and everyday financial decisions.
Financial Calculators Tools
Test assumptions, compare scenarios and explore how different financial decisions may affect your future.
Articles & Guides Resources
Read practical financial insights, planning checklists and educational guidance for individuals, families, professionals and business owners.
Specialized Planning Centres Centres
Explore focused planning centres covering the major areas of your financial life.
Investment strategy
See where you are.
Choose where to go.
Enter the dollar value of what you own today. The tool converts those holdings into percentages automatically, so you can compare them with a recommended target.
Today
Current Portfolio
Recommended
Target Portfolio
Simple guide
Four steps. One clear comparison.
Enter current values
Type the current dollar value for each asset category. Enter zero when the client does not own that category.
Review the percentages
The current portfolio total and percentage allocation are calculated automatically as you type.
Set the target
Enter the recommended percentage for each category. The target should add up to exactly 100%.
Compare the mix
Use the two charts to discuss how the proposed portfolio differs from the client’s current holdings.
Illustrative planning tool only. A recommendation should reflect the client’s objectives, time horizon, risk tolerance, and circumstances.
Reference portfolios
Four model portfolios.
Illustrative reference points—not automatic recommendations.
Preserve
Conservative
Stabilize
Balanced
Accelerate
Advanced
Maximize
Aggressive
Model portfolios are provided for comparison and education. Confirm suitability before using any allocation as a recommendation.
What Could Your Savings Provide in Retirement?
Explore how your current savings, ongoing contributions, investment return and retirement timeline may shape your future portfolio and potential retirement income.
- ✓ Project your future savings
- ✓ Estimate retirement income
- ✓ Compare inflation-adjusted values
Start With Your Financial Wellness Snapshot
Answer a few focused questions and receive an educational snapshot of your financial readiness across protection, retirement, investments, cash flow, estate planning and tax planning.
- ✓ Personalized score
- ✓ Suggested focus areas
- ✓ Confidential and educational
- ✓ No obligation
Your Financial Starting Point
Complete the assessment in just a few minutes.
Start My Wellness CheckSee Your Financial Future Before You Retire
Retirement planning is about more than reaching a savings target. Explore the kinds of personalized projections that can bring your retirement income, investments, taxes, CPP, OAS, real estate, insurance and estate objectives together in one coordinated picture.
Start on This Page
Discover how coordinated financial planning can help bring greater clarity to your retirement decisions.
Explore Retirement Projections
See examples of the income, taxation, cash-flow, net-worth and estate projections that may be considered.
Visit the Financial Planning Centre
Learn how retirement planning fits within a broader, coordinated financial strategy.
Begin With a Clarity Session
Discuss your goals, questions and priorities during a no-obligation 15-Minute Clarity Session.
Gain confidence before making
your next financial decision.
Whether you’re planning for retirement, investing for the future, protecting your family, or simply looking for greater financial clarity, every successful plan begins with one conversation.
Choose how you’d like to get started:
Choose Your Planning Journey
Select the planning area that best matches your current needs and begin with a focused, confidential assessment.
Every form is interactive, confidential, and followed by a personalized review from Green Mountain Financial Services Inc.
Partners & Carriers We Work With
Independent access to multiple leading insurers across Canada.
Visit Assumption Life
Visit Foresters Financial
Visit Humania Assurance
Visit Canada Protection Plan
Visit Industrial Alliance
Visit Sun Life Financial
Visit Desjardins Financial Security
Visit Canada Life
Visit Empire Life
Visit RBC Insurance
Visit Equitable Life of Canada
Visit Manulife Financial
Visit Beneva Insurance
Visit Green Shield Canada
Visit Assumption Life
Visit Foresters Financial
Visit Humania Assurance
Visit Canada Protection Plan
Visit Industrial Alliance
Visit Sun Life Financial
Visit Desjardins Financial Security
Visit Canada Life
Visit Empire Life
Visit RBC Insurance
Visit Equitable Life of Canada
Visit Manulife Financial
Visit Beneva Insurance
Visit Green Shield Canada