At Hargrave Financial Group, we help clients maximize their financial potential by integrating strategic investment solutions, including segregated funds, and leveraging tax-advantaged accounts such as TFSAs, RRSPs, and RESPs to optimize long-term wealth accumulation.

What Are Segregated Funds & How Do They Work?

Segregated funds are investment products offered by insurance companies that provide market growth potential while offering capital protection, estate planning benefits, and creditor protection. Unlike traditional mutual funds, segregated funds come with guarantees that can help safeguard your principal investment, making them an excellent option for individuals looking to balance risk and security. They are especially valuable for business owners, retirees, and those looking to simplify estate transfers without probate fees.

Tax-Free Savings Account (TFSA)

• Ideal for tax-free growth and flexible withdrawals
• Great for short-term and long-term investing
• No tax implications on withdrawals, making it a valuable tool for financial flexibility

Registered Retirement Savings Plan (RRSP)

• Designed for long-term retirement savings with tax-deferred growth
• Contributions reduce taxable income, helping with tax efficiency
• Ideal for building a strong retirement fund while minimizing current tax liabilities

Registered Education Savings Plan (RESP)

• Helps parents save for a child’s post-secondary education
• Contributions grow tax-free, and government grants (CESG) add up to 20% extra to savings
• Withdrawals are taxed in the child’s hands, usually at a lower tax rate

Other Investment Vehicles & Strategies

• Non-registered investment accounts for additional savings and diversified income streams
• Corporate investment strategies for business owners to optimize retained earnings
• Annuities & insurance-based solutions to create predictable retirement income