REGISTERED ACCOUNTS

Registered Retirement

Savings Plans & Tax Free Savings Accounts

The Wealth Coaches - Welcome Page

The Wealth Coaches and Solid Financial Solutions Inc., are pleased to announce that we are now able to offer eligible precious metals investments into Registered Retirement Savings Plans and Tax Free Savings Accounts to help savers diversify their portfolios with gold and silver investments. 

 

You may request more information by clicking the Request a Quote button below. 

"We can now help investors allocate their Registered Investments towards real, tangible, historical money, Gold & Silver.

Our provider, Solid Financial Solutions, has strategic alliances with both governmental and private bullion mints offering precious metal investments and certified Brinks storage, and is an A+ rated BBB Alberta-based provider of personal financial solutions.

Diversifying your RRSP or other registered savings plans into physical gold and silver has never been easier!

(click the image to learn more about precious metals)

Learn about Gold & Silver for registered accounts

RRSP's Basics - What is an RRSP?

We can help you diversify your RRSP, TFSA and LIRA into physical gold and silver bullion to provide a counterweight to the rest of your investment portfolio.

Available for all Registered Savings Plans including RRSP, LIRA, TFSA, RESP, LIF, RRIF.

  • Physical Gold and Silver held in your account name only 
    Unlike gold certificates or other “paper” investments, your account holds the exact physical bullion you invested in.

  • Fully Insured Storage 
    Your physical gold and silver is insured by both Brinks Canada and our broker, with additional account protection provided by CIPF (Canadian Investor Protection Fund).

  • Instant Liquidity 
    All registered bullion investments can be sold back to us with the proceeds returned to your account quickly.

  • Rapid Delivery 
    If you decide to de-register your funds and take physical possession of your bullion it can be quickly shipped to you directly from the Brinks storage facility.

An RRSP, or Registered Education Savings Plan, is the Canadian equivalent of the 401K in the USA. Taxpayers can make annual contributions to their own or a spouse's retirement savings plan, subject to annual and cumulative carry-forward limits. 

 

Contributions to a plan earn a tax-deductible contribution for the contributor equivalent to the total amounts invested throughout the taxation year, and can be wholly, partially, applied against earned income within the current taxation year, or or optionally carried forward to future taxation years for deduction in those years, provided the contributions meet certain limits. 

Contributions earn tax-free compounded growth until withdrawn from the plan, whereby the withdrawals are taxed according to then-established taxable amounts.  

The time-compounding tax-sheltered growth of the earnings can be truly life-changing compared to investing the same amounts in non-tax-sheltered investments where earnings are taxed annually on the growth of the investment plan. See the illustration below.

Investors are free to select their own investment product mix in which to invest their contributions during the life of the RRSP plan. Eligible investments can include, stocks, bonds, mutual funds, precious metals, real estate, and a variety of other eligible investments subject to the rules established by the Canada Revenue Agency here

At this unique time in history, we recommend holding over-weighted proportions of your retirement portfolio in both gold and silver bullion, bars, and coins. A weighing of 75% silver and 25% gold is the recommended ration given the historically undervalued price of silver relative to gold. See our Gold & Silver Education section to better understand the rationale for precious metals at this time.

 

Click for the Retirement Nest-egg Calculator 

Retirement Nestegg Calculator

The Canadian Retirement Income Calculator will provide you with retirement income information, including the Old Age Security (OAS) pension and Canada Pension Plan (CPP) retirement benefits. You will need to work through a series of modules in order to estimate your retirement incomes from various sources and compare them to your goal income. It also allows you to see the impact of changes in savings behaviour.

The calculator will help you better understand how each pillar of the retirement income system will contribute to your future financial security.

This online service includes information on the Post Retirement Benefit (PRB). Included is a separate calculator that will help you better understand how contributions to this new benefit will further contribute to your financial security after you retire.

The calculator's results are estimates for information purposes only, and should not be considered financial planning advice. The calculator does not collect personal information or identifiers.

WH Partners is our accounting provider offered through Tranont Tax. See this link for more details. 

 

Albertans believe they will retire debt free by age 62. Here you will find a lot of valuable learning tools that are developed, refined and honed to be relevant for each user. Their interactive tools can help you gauge and improve your financial situation.

 

Should I refinance my mortgage? How much do I need to save for my child's college education? These are some of the questions that are posed to us on a daily basis. We are providing these interactive financial calculators and other tools to assist you with some of the day-to-day questions and concerns that may arise. While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in your decision making process.

Choose from 72 useful Financial Calculators including:

  • Net Worth: Your net worth is the value of all of your assets, minus the total of all of your liabilities. Put another way, it is what you own minus what you owe. If you owe more than you own, you have a negative net worth. If you own more than you owe you will have a positive net worth. This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years. 

  • Savings Goal: What will it take to reach your savings goal? This financial calculator helps you find out. 

  • Savings Calculator: Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

  • Savings, Taxes, and Inflation: The value of your savings can be affected by both taxes and inflation, especially if you are saving for a long-term goal. Use this calculator to determine how much your investment or savings may be worth with this in mind.

  • Don't Delay Your Savings!: Waiting to begin your savings plan may have an important impact on your results. A delay of even a few years could cost thousands of dollars. This calculator helps show you how much postponing your savings plan may really cost.

 

  • Education Savings: Saving for your children's education requires a long-term plan. And, like saving for retirement, the earlier you start your plan the better. Use this calculator to help develop or fine-tune your education savings plan.

 

  • Taxable vs. Tax Advantaged Investments: How taxes are applied to an investment can make an incredible difference. This calculator is designed to help compare a normal taxable investment to two common tax advantaged situations: an investment where taxes are deferred until withdrawals are made, and an investment where taxes are paid on money that goes into the account, but all withdrawals are tax free.

 

  • Retirement Planner: Do you know what it may take to create a secure retirement? Use this calculator to help you create a simple retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement.

 

  • Retirement Nestegg Calculator: Do you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be.

 

  • Retirement Income (Inflation Adjustable): Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement. Your annual savings, expected rate of return and your current age all have an impact on your retirement's monthly income. View the full report to see a year-by-year break down of your retirement savings.

  • Cool Million: What might it take to save one million dollars? This financial calculator helps you find out. Enter in your current savings plan and graphically view your financial results for each year until you retire. View a report that helps you see when you might hit your cool million - and what you might be able to do to possibly achieve this goal.

  • Home Budget: Managing a budget can be a frustrating and daunting task. One of the most important aspects of controlling a budget is to determine where money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you may have left to save and where your money is being spent.

  • Emergency Savings: Having adequate emergency savings can make unforeseen unemployment, auto repairs, medical emergencies, property damage and even legal issues more manageable. With adequate emergency savings, you can focus on how to best meet your family's needs, rather than worrying about finding the money to handle these difficult situations. This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal. 

  • Life Insurance: How much life insurance do you need? Enter your current assets, expenses, income and let us determine how much life insurance you need. You can also adjust the inflation rate and your expected rate of return to see how these variables can impact your insurance needs. Press the report button to see a year by year breakdown of your family's future income and expenses.

To learn how to generate the required savings amount through various strategies that can be put towards your retirement plan, Contact Us today.

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