BMO Nesbitt Burns
Eighth Avenue Place, East Tower
525 8th Avenue SW
Suite 1100
Calgary, AB
T2P 1G1

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Registered Accounts

RRSP: making your money work as hard as you do
Your RRSP is your personal Pension Plan. Make sure this money is working as hard as possible for you.

RESP, Formal Trust and Investment Accounts
This article describes the 3 main types of accounts to save for your Children (or Grandchildren).

Locked-in Retirement Plans
A review of LIRA's, LIF's and LRIF's, and when you have access to these locked-in assets.

Individual Pension Plans
An overview of the features and benefits of IPP's (as an alternative to a RRSP.)

RRIF Payout Schedule
RRIF withdrawal schedule and options that you may wish to consider

Retirement Allowances - the Silver Lining
Under the retiring allowance rules, all or part of your severance package may be rolled into your RRSP. Inside the RRSP, assets grow on a tax-deferred basis just like your regular RRSP contributions and are taxed only when withdrawn.

RRSP Maturity Options
In the year you turn 69, you must make a decision what to do with your RRSP - this article highlights your options.

Spousal RRSP Accounts
Relatively few individuals invest in a Spousal RRSP and as a result miss out on one of the few income splitting opportunities still available for Canadian taxpayers.

RRSP - Understanding the Basics
Reviews RRSP deduction limits, earned income, pension adjustments, carryforward rules, the $2000 overcontribution limit and more.

RESP and the Canada Education Savings Grant
An overview of RESP's, single and family plans, the CESG (Government grant), RESP maturity and more.

RESP - An Introduction
An excellent overview of the features and benefits of RESP accounts, and answers to many commonly asked questions.