SAVINGS AND INVESTMENTS

Alphaspring Financial Inc. offers a diverse range of savings and investment options through its partners, tailored to meet your specific needs. These include registered and non-registered investment plans, giving you the flexibility to choose the right strategy for your financial goals.

Registered Retirement Savings Plan (RRSP)

A tax-deferred investment account designed to help you save for retirement while reducing your taxable income.

Tax-Free Savings Account (TFSA)

An investment vehicle that allows you to grow your savings tax-free, offering flexibility and accessibility for various financial goals.

Registered Education Savings Plan (RESP)

A tax-advantaged savings plan for funding a child's post-secondary education with options to open single or family account.

Annuities



Secure, guaranteed income streams for retirement, helping you turn your savings into dependable cash flow.

High-Interest Savings Account (HISA)

A secure and liquid option for earning competitive interest rates on your cash savings. An unused contribution limit in a year is eligible to carry forward.

Guaranteed Investment Certificates (GICs)

Safe and predictable investments with guaranteed returns, ideal for conservative savers.

RETIREMENT INCOME AND WITHDRAWAL SOLUTIONS

As you approach retirement, the focus shifts from growing your wealth to managing your income. Alphaspring Financial Inc. offers a suite of products to help you withdraw your retirement savings strategically while maximizing tax efficiency.

Registered Retirement Income Fund (RRIF)

A flexible retirement income solution allowing you to withdraw funds from your RRSP in a tax-efficient manner.

Life Income Fund (LIF)

A retirement income vehicle specifically for locked-in pension funds, providing a steady income stream while meeting government withdrawal limits.

Locked-In Retirement Income Fund (LRIF)

Another locked-in retirement income option offering flexibility and controlled withdrawals.

Registered Pension Plan (RPP)

Employer-sponsored pension plans designed to provide retirement income for employees.

Locked-In Retirement Account (LIRA)



A registered savings plan designed to hold pension funds until retirement. Funds are later transferred to a LIF or Life annuity for withdrawal purposes.

  Who Can Benefit from Our Services?

• Individuals seeking to grow their wealth and prepare for future expenses.
• Families saving for education or other significant milestones.
• Business owners looking for tailored financial planning and investment strategies.
• Retirees transitioning to income-focused financial solutions.