Good Day everyone! This is my first attempt to communicate to you this year as we were down in Australia visiting our daughter in Melbourne. Michael came with us to celebrate her graduation from Law at the University of Melbourne. The weather was fantastic, people were great and the food was fabulous, not mention the exceptional wine. We wish all of you a very good 2010!

Many questions we get are about the TFSA (Tax Free Savings Account) vs the RRSP (Registered Retirement Savings Plan).  We believe the best savings plan for most people is an RRSP but with the addition of a TFSA it gives us so much more flexibility for planning.  Please review the linked article and if you have any questions please call us.  Here is an idea for you: What about combining the RESP with a TFSA?  Lets discuss over coffee… Harvey