A.T. Financial Newsletter
ARE YOU MAKING
THE MOST OF
YOUR TFSA?
The turning of the calendar represents an opportunity for all Canadians 18 years or older to contribute an additional $5,500,
to their Tax-Free Savings Accounts (TFSAs). That brings total cumulative contribution room since the TFSA was introduced to $36,500.

If you're using your TFSA only for cash investments, you may be missing out on valuable tax-free growth potential. With more than $35,000 in contribution room available, there is an opportunity for you to create a diversified

The MONEY file
TIPS AND TACTICS TO HELP YOU GET AHEAD
portfolio of secure cash and cash equivalents, fixed-income holdings, and growth-oriented equities. All of your investment earnings, whether interest, dividends, or capital gains, are completely tax-free, as are all withdrawals. (The downside is that you can't
use capital losses to offset capital gains.)

The next time we meet, we can review your TFSA strategy to make sure you're making the most of this powerful tax-free savings opportunity. We can also make sure that your investments are optimized for tax minimization across all your registered and unregistered accounts.
EYEOPENER
graphic evidence of how investing works
Canadians spend more on taxes than food and shelter
Feeling overtaxed? That's not surprising. According to a recent study from Vancouver's Fraser Institute, the average Canadian family spent more on taxes in 2013 than they did on food, clothing and shelter combined.
These statistics illustrate just how important it is to invest as tax-effectively as possible. That's why we make every effort to ensure that the tax implications are considered for every investment decision you make.
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