Review & Assurance
Corporate Tax Services
Compilation, Accouting & Bookkeeping
Outsourced CFO & Controller Services
Corporate Secretarial Services
Cloud Accounting & Software Solutions
Financial Planning
At Vault CPA, we provide financial and retirement planning tailored to your goals and tax position. From optimizing RRSP and TFSA contributions to creating income and investment strategies, we help you strengthen financial security and achieve confident, sustainable long-term growth.
At Vault CPA, we provide financial and retirement planning tailored to your goals and tax position. From optimizing RRSP and TFSA contributions to creating income and investment strategies, we help you strengthen financial security and achieve confident, sustainable long-term growth.
The RRSP contribution deadline is usually March 1 of the following year. Contributions made before this date can be applied to the previous tax year, allowing you to reduce taxable income and increase potential refunds.
You can begin withdrawing from your RRSP at any time, but early withdrawals before converting it to a RRIF are taxable in the year taken. Most individuals convert their RRSP to a RRIF by December 31 of the year they turn 71.
Your plan should be reviewed at least once per year or after major life changes such as job transitions, property sales, or marriage. Regular reviews ensure your strategy remains current, efficient, and properly aligned with your goals.
The annual TFSA contribution limit is indexed to inflation and may change periodically. Unused contribution room carries forward, allowing you to invest tax-free and withdraw funds at any time without affecting government benefits.
Whether you’re planning for retirement, optimizing investments, or seeking a tax-efficient savings strategy, Vault CPA helps you design a clear path toward lasting financial stability. Your plan is structured, strategic, and fully aligned with your long-term goals.
