Investment & retirement planning
Build Wealth & Secure Your Financial Future
Your financial plan should connect today’s priorities with tomorrow’s opportunities. Safe Haven Financial helps clients in London, Ontario and across Ontario, British Columbia and Alberta explore practical ways to save, invest and plan for retirement.
Make your savings work harder for your goals
There is no universal account, investment or borrowing strategy that works for everyone. We start with your goals, investment timeline, comfort with risk and available contribution room to help you create a strategy you can understand and follow.
RRSP Planning
Use registered retirement savings planning to help prepare for later years while considering your current income and long-term tax picture.
TFSA Planning
Build flexible, tax-efficient savings and investment capacity for both near-term opportunities and future goals.
RESP Planning
Start an education savings strategy for a child or grandchild and learn how eligible incentives may fit into the plan.
Non-Registered Investments
Explore flexible investment planning once registered-account priorities or contribution limits have been considered.
Investment Loans
Assess whether borrowing to invest is appropriate for your circumstances, goals, cash flow and tolerance for risk.
Mortgage Referrals
When a mortgage conversation belongs in your wider plan, we can refer you to mortgage professionals for dedicated lending guidance.
Annuities
Explore retirement-income options designed to transform a portion of your savings into dependable income.
Registered and non-registered accounts: a balanced approach
The right mix of accounts often matters as much as the investments held inside them. Understanding the role of each account type is an important first step.
Registered accounts
RRSPs, TFSAs and RESPs each have their own contribution, withdrawal and tax considerations. They can be useful tools when matched thoughtfully to retirement, flexibility and education-saving goals.
Non-registered accounts
Non-registered investing can provide ongoing flexibility once registered-account options have been considered. It can play a valuable role in a diversified plan, with tax treatment and suitability reviewed carefully.
Planning should be personal, not product-led
We focus on helping you understand the trade-offs before a recommendation is made.
Retirement, education, a future home, financial flexibility and legacy planning all require different time horizons and priorities.
Your account mix, existing investments, insurance needs, available cash flow and debt decisions should work together rather than in isolation.
Based in London, Ontario and licensed in Ontario, British Columbia and Alberta, with flexible virtual and in-home meeting options.
Start with a clear plan
Take the next step with confidence.
Whether you are beginning to invest, reviewing your accounts or preparing for retirement, let’s talk through the questions that matter to you.