Service · Retirement Savings
Are your RRSP and TFSA working as hard as they should?
We examine your current savings structure, model contribution scenarios, and tell you — plainly — where tax efficiency is being left on the table.
A savings plan that reflects your actual retirement date
For many Canadians, RRSP and TFSA accounts accumulate contributions over decades without a deliberate strategy behind them. The right vehicle — and the right contribution amount — depends on your marginal tax rate today versus the rate you expect in retirement, your pension entitlements, your spouse's income, and how many years remain before you stop working. At Betajbeta, we model all of these variables before recommending a single change. A client who retires at 58 with a defined-benefit pension needs an entirely different savings approach than one retiring at 67 with only CPP and personal savings. We build the plan that fits your specific situation, not a generic template.
What a savings review covers
We look at contribution room, asset location, spousal accounts and tax-deferred growth — nothing is left unexamined.
RRSP Contribution Timing
We identify the years when deducting RRSP contributions saves you the most tax, which is not always the year you contribute.
TFSA Asset Location
Growth assets belong inside the TFSA; income-generating assets may be better placed elsewhere. We review your current allocation.
Spousal RRSP Strategy
Income splitting in retirement starts with spousal RRSP contributions today. We model the three-year attribution rule and its impact on your plan.
Pension Integration
If you have a defined-benefit or defined-contribution pension, we calculate how it interacts with your registered savings to avoid over-accumulation.
“Betajbeta showed us that we were contributing to the wrong spouse's RRSP for the past six years. Switching the approach and backdating a spousal plan saved us a meaningful amount in projected retirement tax. That one insight paid for several years of advisory fees.”
— David & Carole T., Kanata
What we do not cover — and why that matters
Betajbeta specialises in retirement savings planning, not active portfolio management or stock selection. We do not custody your assets or execute trades on your behalf. If our analysis reveals that your investment mix inside your registered accounts needs adjustment, we will provide the recommendations in writing; implementation is carried out through your existing brokerage or a custodian of your choice. We also recommend working with a tax accountant for annual filing — we provide the retirement planning inputs, not T1 preparation.
Start with a savings audit — no commitment required
Bring your most recent RRSP and TFSA statements and we will review what you have before recommending anything.
Request a Savings Audit