UNITING FAMILIES WITH THEIR GOALS
UNITING FAMILIES WITH THEIR GOALS
Registered Education Savings Plan (RESP)
Our role: Unity Financial Services provides marketing and referrals to third-party financial professionals. Products, advice and account opening are provided by those third parties; Unity does not sell these products directly.
Investment earnings in an RESP accumulate without current tax inside the plan. Educational assistance payments of earnings and grants are generally taxable to the student; refunds of original contributions are treated differently. Ask the third-party promoter to explain eligibility and payment types.
Registered Retirement Savings Plan (RRSP)
A referral partner can explain how an RRSP may fit your retirement savings goals, including eligibility, contribution and withdrawal rules, product risks and fees.
Tax-Free Savings Account (TFSA)
Ask a referral partner about TFSA eligibility, contribution and withdrawal rules, and the risks and fees of the products being considered.
First Home Savings Account (FHSA)
An FHSA helps eligible first-time home buyers save. Opening eligibility, contribution limits and qualifying-withdrawal conditions must be checked against your circumstances with the third-party provider.
Compare TFSA vs RRSP vs FHSA
Compare these accounts with a referral partner based on your eligibility and savings goals. Unity provides introductions, not investment recommendations.
Questions about investment accounts?
Contact Unity at 438 701 3770 to request an introduction. The referral partner provides investment advice, explains products and handles applications.