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Our licensed financial services representatives are here to assist you in creating a complete investment portfolio to meet your investment goals.


We utilize the traditional investment tools along with the latest investment planning techniques to create investments that work for you.

Investing Made Easy

We offer the advice, solutions and resources you need to reach your goals. And we do it in a way that always puts you first.

Tax-Free Savings Account (TFSA)

Start Saving Today, Tax-Free

Start Saving Today, Tax-Free

Grow your money tax-free and take it out whenever you want without penalty.


A TFSA or tax-free savings account is a flexible way to save with all the benefits of a registered plan. You can use it to put aside money free of tax for your goals throughout life, or to set up an emergency fund. Since TFSA withdrawals aren’t taxable, more money stays in your pocket, and is there when you need it.


Grow your savings tax-free in an account that's easy to access

In the 2008 budget, the government of Canada introduced a brand new personal savings vehicle: the Tax-Free Savings Account (TFSA), to help Canadians save for different purposes throughout their lifetime. Some feel this account is one of the most important personal savings vehicles for Canadians since the introduction of the RRSP in 1957.
As of January 2, 2009, you are able to start contributing to a TFSA, which can hold any combination of eligible investment vehicles, such as cash, stocks, bonds, GICs, segregated funds and mutual funds, the growth of these funds are tax-free.

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Contribution Limit

The amount that you can contribute to your TFSA is limited by your contribution room.

The 2022 TFSA contribution limit is $6,000, plus the amount of withdrawals you made in 2021 and your unused contribution room from previous years.

If you’re a Canadian resident, have never contributed to a TFSA, and were 18 or over in 2009, your cumulative contribution room is $81,500 for 2022.

How to Open TSFA

If you would like to open a TFSA we recommend speaking to one of our knowledgeable associates to ensure a TFSA is really the best option for you. They will also make sure you know the contribution limits and do not over contribute.  Our associates can walk you through a financial needs analysis in person or online to give you the best investment advice based on your own unique needs and goals.

How to Open TSFA
Advantages of TSFA

Advantages of TSFA

We can help you start investing today.


The Tax Free Savings Account allows you up to $6000 in contribution room in the tax year of 2022. You won’t have to worry about paying taxes on any interest generated on your investments from your TFSA amount. It is intended to be used as a tax-preferred or tax-sheltered vehicle for saving money.

Set money aside for a rainy day

Set money aside for a rainy day

TFSAs are a great way to save even without a specific goal in mind. Plan to put 3 to 6 months’ worth of net pay aside in an emergency fund so you’re ready if anything comes up.

Keep saving after retirement

Keep saving after retirement

Unlike the RRSP, your TFSA has no age limit for contributing. You can keep it open once you retire and continue growing your money. Since withdrawals aren’t taxed and have no impact on your government benefits, the TFSA is an excellent vehicle for additional retirement income.

Taxes & LimitationsTSFA

Over contribution can be an issue. If you happen to contribute more than you are allowed per calendar year the government will penalize you 1% per month starting the month it was put into the account on the amount you are over contributing until it is withdrawn.

Build The Portfolio You Want, No Matter What Kind Of Investor You Are

4 types of TFSA-eligible investments

TFSA Savings Account

You can use this account to save money for short- and medium-term projects. Your money grows and it’s still there anytime you need it.

Guaranteed fixed-rate investments (term savings)

With term savings, your capital and interest are guaranteed. No matter how the markets perform, your returns are known from day one.

Market-linked guaranteed investments

With market-linked guaranteed investments, you protect your capital and enjoy good returns. Your capital is guaranteed, but your return isn’t known ahead of time since it depends on market performance.

Desjardins Funds

Mutual funds are one to way work towards your medium- and long-term goals. Your money is invested according to your profile and you benefit from professional management to help you maximize

Here’s why nearly 60% Canadians invest in an TFSA:

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