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Wealth Building for Families

The Problem: If your money isn't working for you, you'll always be working for money.

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Most Ontario families are stuck in the grind: earning, spending, maybe saving a bit in a regular bank account earning 0.5% interest while inflation eats away at it. Meanwhile, life keeps getting more expensive. Tuition keeps rising. Retirement feels further away. The cottage remains a dream.

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The Truth: Your money should be working as hard as you do. Through strategic investing in tax-advantaged accounts, your wealth can grow significantly faster - and you can actually reach those goals you've been putting off.

What I Offer:

RESP - Your Kids' Education Fund​

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  • Government matches 20% of your contributions (free money!)

  • Up to $7,200 in lifetime grants per child

  • Tax-free growth until withdrawal

  • Whether they're going to college, university, or trade school - they'll have options

RRSP - Your Retirement Security​

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  • Tax deduction now (lower your taxes today)

  • Tax-deferred growth (your money compounds faster)

  • Building the retirement you actually want, not the one you can afford

TFSA - Your Financial Freedom Fund​​

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  • Tax-free growth forever (keep everything you earn)

  • Withdraw anytime without penalty

  • The ultimate flexibility account for down payments, emergencies, travel, or early retirement

 

Example: Maxing out your TFSA every year could give you $200,000+ in completely tax-free money in 15-20 years.

My Investment Approach:

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  • Professionally managed mutual fund portfolios tailored to your timeline and risk tolerance

  • Diversified across Canadian, US, and international markets

  • Regular rebalancing to keep you on track

  • No emotional decision-making - we stick to the plan even when markets are volatil​​​e

How it Works:

  1. We determine your goals and timeline (education in 10 years? retirement in 30?)

  2. We create a contribution plan that fits your budget

  3. We select the right mix of investments for your situation

  4. We automate contributions so you're consistently building wealth

  5. We review and adjust as your income and goals change

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The Bottom Line: Time is your biggest asset when building wealth. The sooner you start, the more your money compounds. Let's stop letting your hard-earned dollars sit idle and put them to work building the life you want.

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