Secure your financial future

Registered accounts are savings programs offered by the government. In some cases, the government adds incentives such as tax-deferral or tax-free options for the income you earn from your investment. Some registered accounts offer grants, and bonds to encourage even more saving. These are a staple in any financial strategy.

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Our Investment Team works in your best interest to help you get the most out of your hard-earned savings.

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Why partner with a Coast Capital Financial Advisor?

Results Results
Our advisors have over 80 years of experience helping members make the most of their savings and reach their goals.
Partnership Partnership
We build relationships with members so we can give meaningful advice customized to their unique goals.
Strategy Strategy
Receive a personalized action plans that outlines clear strategic steps you can take towards living the life you want.
Transparency Transparency
We will simplify complicated financial jargon and offer clear advice so you truly understand your finances. 
Registered Retirement Savings Plan (RRSP)
Save money for retirement during your higher income years and avoid paying taxes on the money you save until you retire.

  • Money contributed is tax deductible, within limits
  • Earnings are tax sheltered so they will grow even faster than a non-RRSP investment
  • Contribute to an RRSP until the year you turn 71
  • Multiple investment products such as term deposits and mutual funds available within an RRSP account
  • RRSP Loans available to maximize your contributions and potential tax refund.
Tax-Free Savings Account (TFSA)
If you're over the age of 19 avoid paying tax on the income or growth you make on your investment, even when it's withdrawn.

  • No maximum age limit to open or hold a TFSA
  • No deadline for your contributions
  • Unused TFSA contribution room can be carried forward to future years
  • Investment income earned in a TFSA plan, including capital gains, will not be taxed, even when withdrawn
  • Multiple investment products such as term deposits and mutual funds available within a TFSA
Registered Education Savings Plan (RESP)
Save for your child's education without paying taxes on the interest earned as you grow your investments within an RESP.

  • Contribute to a lifetime maximum of $50,000
  • Anyone can contribute to the RESP, not just the parents of the child
  • Take advantage of the Canada Education Savings Grant and the BC Training and Education Savings Grant
  • Multiple investment products such as Term Deposits and Mutual Funds available within an RESP account
  • Up to $8,400 in government grants are available
Registered Retirement Investment Fund (RRIF)
Use a RIF to withdraw income during your retirement. RRSPs are converted to a retirement income option such as an RRIF by the end of the year you turn 71.

  • Minimal annual withdrawal requirement
  • No withdrawal limit
  • Multiple investment products such as Term Deposits and Mutual Funds available within an RRIF account
  • Investments are taxdeferred and tax is paid only on the amounts withdrawn from the RRIF
Registered Disability Savings Plan (RDSP)
Families or individuals with disabilities can make tax-deferred investments so they can save for long-term financial needs including medical and living costs.

  • Contribute to a lifetime maximum of $200,000
  • Make annual or one-time withdrawals
  • Government grant and bond available
Not sure which solution is for you? Let's pick the right one, together.



Helpful Resources

Worldsource Financial Management

Mutual fund dealer service and segregated fund administration are managed by our trusted partner at Worldsource Financial Management. Worldsource is a leading independent dealer services provider and subsidiary of Guardian Capital, a Canadian publicly-traded investment management company. Their expertise allows us to provide better products and services, online account access and reporting.

Worldsource View is a tool that allows members to view and monitor investments online, anytime, anywhere, plus the convenience of printing your statements.

Worldsource Financial Management

Mutual fund dealer service and segregated fund administration are managed by our trusted partner at Worldsource Financial Management. Worldsource is a leading independent dealer services provider and subsidiary of Guardian Capital, a Canadian publicly-traded investment management company. Their expertise allows us to provide better products and services, online account access and reporting.

Worldsource View is a tool that allows members to view and monitor investments online, anytime, anywhere, plus the convenience of printing your statements.

Optimize your investment strategy

MONEY HELP
How a TFSA can up your investment game

Tax-free savings accounts (or TFSAs) are like rubber bands: they’re super flexible. Make sure you know the different ways to stretch and maximize your TFSA.

MANAGING YOUR MONEY
Keeping a long-term view on the market
Learn all about why it's important to remind ourselves that market movements are normal, and markets do recover.
GROW YOUR MONEY
Pay Yourself First: the benefits of forced saving
Learn how to inject more certainty into your savings through a technique known as pay yourself first, or a little more dramatically forced savings.

Let’s build the right plan, together

Our team of experts will find the right solutions for you and your goals.
Call us at 1.888.517.7000 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm.


CDIC Deposit ProtectionCDIC Deposit Protection

Coast Capital Savings Federal Credit Union is a member of the CDIC.


Coast Capital Savings Federal Credit Union provides advice and service related to deposit, loan and mortgage products. Coast Capital Wealth Management Ltd. provides investment and financial planning services. Coast Capital Financial Management Ltd. provides advice and service related to segregated funds, annuities and life insurance products. Worldsource Financial Management Inc. provides advice and service relating to mutual funds. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses may all be related with mutual fund investments. Important information about mutual funds is contained in the relevant fund facts and simplified prospectus. Please read the fund facts carefully before investing. Only deposits payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.

Coast Capital Savings Federal Credit Union is a member of the CDIC. For information on changes to deposit insurance and the transition period, see our Statement of Transitional Coverage.