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The Money Management Newsletter -
Retirement Planning
The Companion Advisor - Retirement
Fiscal Agents - the cornerstone to any investment planning solution.

Making the right financial decisions isn't always easy - that's why it makes sense to get some help and advice first, form someone who really knows the market, is truly independent and what you to are looking for.

Our philosophy starts with understanding your interests, your goals and priorities and then recommend solutions that build confidence towards success.

To explore the benefits of having a Fiscal Agents advisor help you sort through the hundreds of options, finding the best to match your circumstances without obligation, click here for contact information and/or fill out the short online form.
Find out more
Click above to find out how Fiscal Agents can help you find an efficient RRSP.
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Use this link to connect you directly to additional useful information related to RRSPs.


RRSP - Registered Retirement Savings Plan. An RRSP is a deferred tax savings vehicle. Generally, you are allowed to put money into an RRSP and claim a deduction on your taxes in that year (or a future year) for your contribution. Contributions will accumulate with investment income tax free. When the money is taken out of the RRSP it is taxed as income. Money may be withdrawn at any point, but generally it is accumulated until retirement and an annuity or RRIF is purchased. Taken from the Fiscal Agents Glossary

For years, Registered Retirement Savings Plans (RRSPs) have been helping Canadians save for their retirement. They allow contributions to grow on a tax deferred basis until they are withdrawn and provide contributors with a useful deduction on their taxes.

The world of retirement options can seem like a confusing place to the uninitiated, so check out our collection of RRSP questions and answers. To find out even more about the terms used, take a look at Fiscal Agents' Glossary of Retirement Terms.
Special Glossary Of
Retirement Terms

RRSP Related Financial Tools

Fiscal Agents' collection of retirement planning calculators and worksheets will also come in handy for those interested in planning for the future. Whether your retirement is two or 20 years away, it is never too early to put a retirement plan into action. The calculators listed below are a good start for understanding your retirement goals, and setting in motion an effective plan towards meeting them.

Cornerstone® Investment Philosophy Score Card
Discover how to determine your investment objectives and risk comfort level by answering a few short questions.
Retirement Planner
Calculates the amount you will need to save to enjoy a comfortable retirement.
Retirement Savings & Income Calculator
Shows the regular RRSP contribution needed to achieve a specific retirement income.

And for those who think they have all the answer to important retirement questions, test your knowledge of RRSPs and other Retirement Options with our insightful quiz's. You just might learn something new and have fun doing it.

Whether you are just beginning to consider what your post-employment future may hold or already enjoying the freedom that effective retirement planning can bring, our RRSP section has something for everyone.

Your investment plan will alter and change just as you do, your needs and goals also change as you age.

Fiscal Agent's Cornerstone® Planning process addresses these concerns and works with you to make sure that you are getting the most out of your investment plan. We recognize that, regardless of your age, it is never too late to start saving for your financial future and retirement. Please review The Milestones in your Financial Lifecycle.

RRSP Reading Material

This must-read section brings together relative RRSP information you need to get started or enhance your understanding of the elements of Retirement Savings Planning.

Money Management Newsletter

Plan for a comfortable retirement

Put your RRSP investments on the map!

Your RRSPs: Mix It Up!

Maximize your RRSP returns when interest rates plunge

Types of RSP options you have

RRSPs and all the noise

Reduce taxes at source

Investing in an RRSP makes sense

Consider transferring an RRSP

I told you to transfer my RRSP/RRIF - What's the hold up?

Considering a Spousal RRSP?

Other Considerations

The power of compounding

Finding the money to invest

The nature of diversity

How to analyze risk

Sources of investment information
The Companion Advisor

Is the RRSP dead?

Tips and more to help you make the most of your RRSP!

Registered Retirement Savings Plans: More than just a tax break

Calculating your retirement needs

Factors to weigh when choosing your RRSP investments

RRSP contribution or mortgage repayment?

Women and RRSPs: Just do it!

Why RRSPs should be the cornerstone of your portfolio

Where retirement is concerned, borrow for tomorrow

Our Bookstore section contains details related to books that we recommend for various areas of investing. Also provided are links to ordering information on each title from

Featured titles for Retirement Savings include:

The Pension Puzzle: Understand, Evaluate and Plan Your Financial Future
Written by
Bruce Cohen, Brian Fitzgerald

Planning Your Financial Future: A Guide for Canadians
Written by Anne K. Chun, B.Comm., F.I.C.B., C.P.A. (US), C.A. and Patricia Jeremy

The Wealthy Barber: Everyone's Commonsense Guide to Becoming Financially Independent
Written by David Chilton

RRSP Interest Rates


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RRSP Savings
Tips & Guides
Questions and Answers - RRSPs
General investor tips
Site Resources
Special Glossary of
Retirement Terms
IP-Profiler: Retirement
We have also taken the opportunity to compile a reference section for retirement-related investment products, known as the IP-Profiler. It provides a detailed look at the various products available and contains information on deposit levels and applicable fees.
News Items
Using RRSP overcontributions to your advantage
CDIC - Protecting Your Deposits
& Worksheets
Retirement Savings & Income Calculator
Retirement Planner
Advantages to Early Investing Calculator
Online Quizzes
Test your knowledge of RRSP Facts and Figures
Test your knowledge of Retirement Options