RRSP contribution room
We calculate unused room, assess spousal RRSP opportunities, and determine the optimal annual contribution based on your current and projected marginal tax rate.
Savings Optimization
Are you saving the right amount in the right accounts?
Stonehmint's savings service maps your RRSP, TFSA, and non-registered holdings into a single, coordinated strategy built around your retirement date.
What savings optimization actually means
Saving for retirement is not simply a matter of putting money aside each month. The account type, the contribution timing, the investment allocation, and the eventual withdrawal sequence all interact in ways that can either erode or protect your long-term purchasing power. At Stonehmint, we begin with a full inventory of everything you hold — registered accounts, employer plans, locked-in RRSPs, non-registered investments — and then model multiple scenarios to determine the contribution pattern that maximizes growth within the tax environment you occupy today and the one you are likely to occupy in retirement.
What the savings review covers
A structured look at every layer of your savings picture.
TFSA allocation strategy
We identify whether growth assets, income-generating assets, or reserve funds belong inside your TFSA for the greatest long-term tax advantage.
Employer plan integration
Defined-benefit or defined-contribution — we translate your employer pension into retirement-income projections that feed directly into your broader plan.
Savings rate calibration
We set a monthly savings target that closes the gap between where you are today and where you need to be by your chosen retirement date, updated each year.
Honest limits of savings planning
A savings plan is a projection, not a guarantee. Market returns, legislative changes to contribution limits, and personal income fluctuations all affect outcomes. Stonehmint provides annual reviews so that the plan adjusts when reality diverges from the projection — but we do not promise a specific dollar figure at retirement, and we would caution you to distrust any advisor who does. Our role is to give you the best possible framework and to update it regularly so you remain on track through whatever conditions arise.
“I had three different accounts with three different institutions and genuinely did not know how they worked together. Stonehmint produced a single page that showed everything in one view — that alone was worth the conversation.”
— David T., engineer, Québec City
Ready to see your full savings picture?
Book a 30-minute review with a Stonehmint advisor and leave with clarity on your next steps.
Book Your Review