Wisdom · Integrity · Zeal

Your first home,
your best start.

The FHSA lets you save tax-free toward your first home. I'll help you combine it with the right insurance strategy.

📈 FHSA Calculator

See your FHSA grow

Max $667/mo · 5 yrs · 6% return—

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📊 Try the Full Calculator →

Key Benefits

Contributions are tax-deductible like an RRSP
Qualifying withdrawals are tax-free like a TFSA
$8,000/year annual limit, $40,000 lifetime max
Transfer to RRSP if home purchase doesn't happen
Combines with Home Buyers' Plan for more purchasing power
Interest/growth is tax-sheltered until withdrawal

💡 How I Approach Your Plan

Every financial decision you make affects the rest — your insurance, taxes, investments, and retirement all need to work together. I look at the full picture, not just one product.

I provide a full financial picture — not just one product — so every dollar works harder for you.

Common Questions

Who qualifies?

You must be a Canadian resident, at least 18 years old, and a first-time home buyer (not owned a home you lived in during the current year or the preceding 4 calendar years).

How much can I contribute?

$8,000/year up to a lifetime maximum of $40,000. Unused annual room carries forward by one year only.

What if I don't buy a home?

If you don't use the funds within 15 years (or by age 71), you can transfer to your RRSP without using RRSP room — no tax consequences.

Can I combine with the Home Buyers' Plan?

Yes — you can use both the FHSA and the Home Buyers' Plan (from your RRSP) on the same qualifying home purchase, up to $75,000 combined.

Your first home,your best start.

See your FHSA grow

Key Benefits

💡 How I Approach Your Plan

Common Questions

Your first home,
your best start.