🇨🇦 Licensed in Ontario, Canada
📞 (647) 995-5891
W
I
Z
Wisdom · Integrity · Zeal

Grow wealth beyond
your RRSP limit.

Non-registered accounts give you flexible, tax-efficient growth. I'll match you to the right structure for your goals.

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See your investment grow

$500/mo · 20 yrs · 10% return—
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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

💡 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

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.
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