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The Canadian tax system is organized so that the tax rate increases with income.

The fact that income is taxed at the marginal tax rate is an important notion to consider when developing a retirement plan.

And that's not all: anytime you make a withdrawal from your TFSA, you'll recover your contribution room in subsequent years.

An important characteristic of the spousal plan is the requirement that withdrawals begin at age 71; this applies to the annuitant and not to the subscriber of the plan.

Our self-directed registered plans allow you to accumulate savings sheltered from taxes, invest using a wide choice of vehicles and receive retirement revenue in the manner that suits your needs.

The self-directed registered plans are available at Laurentian Bank Discount Brokerage: LBDB gives you access to wide choice of investments for a diversified portfolio.

The TFSA allows you to accumulate tax-sheltered savings.

That is, income earned from your investments (interest, dividends and capital gains) aren't taxable and never will be, even if you withdraw amounts accumulated in your TFSA.

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