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The Smith Falconer Team Smith Falconer Financial Group
February 2018 eUpdate


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333 Bay St.
28th Floor, West Tower
Toronto, Ontario
M5H 2R2

lois.smith@cibc.ca
Tel: 416 594-7967
rodney.falconer@cibc.ca
Tel: 416 956-6248
Toll Free: +1 800 263-3803
Fax: 416 594-7951


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It's Contribution Time!

  

The more you contribute to your Registered Retirement Savings Plan (RRSP) (within allowable limits) and the earlier you do it, the greater the impact of tax-free compounding over time. Your contribution for earned income in 2017 should have already been made, but to take the best advantage of time, we suggest you make your 2018 contribution for earned income now.

Where feasible, if you have unused contribution room carried forward from previous years, make that contribution too. Being disciplined about this can make a significant difference in your post-retirement years. Our contribution checklist offers suggestions on making the most of your RRSP.

Download Your Contribution Checklist

If you have not yet made a 2018 contribution to your Tax Free Savings Account (TFSA), it's time! Many investors downplayed this savings vehicle when it was introduced in 2009, thinking it was too small to worry about. With the total allowable contribution now at $57,500 per person, we believe every client should avail themselves of this tax-free growth opportunity.

We all pay plenty of tax in Canada. Why not take maximum advantage of the few tax-free savings opportunities we do have?

Talk to us and we'll recommend the most effective investment strategy for your specific situation. We look forward to serving you.



Very best regards,
CIBC Wood Gundy




Smith Falconer Financial Group

CIBC Wood Gundy is a division of CIBC World Markets Inc., a subsidiary of CIBC and a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada.

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