Non-Registered Investments

Key Benefits

('Unlimited contribution room — no annual limits', 'Segregated funds offer maturity & death benefit guarantees', 'Creditor protection available through seg funds', 'Potential probate bypass with named beneficiaries', 'Strategic use of capital gains vs. interest income', 'Useful for estate planning and wealth transfer')

🏗️ Engineering Your Wealth

Just like a structure needs each component working together, your investments need to be coordinated with your insurance, tax situation, and retirement goals.

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

Common Questions

Why non-registered accounts?

Once you've maxed your TFSA, RRSP, and FHSA, non-registered accounts are the next option. They still offer investment growth, though gains are taxable each year.

What are segregated funds?

Seg funds are insurance-based investments that combine market growth potential with insurance guarantees — maturity guarantee, death benefit guarantee, and creditor protection.

How is non-registered income taxed?

Interest is taxed as ordinary income. Canadian dividends receive a dividend tax credit. Capital gains are taxed at 50% inclusion (on 50% of the gain). Strategic asset allocation can minimize your tax drag.

What is creditor protection?

Segregated funds in a non-registered account may be creditor-proof if you name a preferred beneficiary (spouse, child, parent, grandchild). This is very valuable for business owners and professionals.

Key Benefits

🏗️ Engineering Your Wealth

Common Questions

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