BURLINGTON, ONTARIO
TFSA and RRSP room for people in Burlington.
Halvane Wealth is based in Burlington. Call, or leave your details and say when to reach you.
Where we meet
We meet in Burlington, at your kitchen table or ours, or by phone. The first meeting is about numbers: how much room you have in each account, and where it comes from.
The dollar limits are the CRA's. Your own room depends on the year you turned 18 and on what you have put in and taken out. Work yours out first.
Questions people ask first
How much TFSA room do I have?
It depends on the year you turned 18 and on what you have put in and taken out. If you turned 18 in 2009 or earlier and have never put anything in, the CRA's limits for 2009 to 2026 add up to $109,000.
CRA, MP, DB, RRSP, DPSP, ALDA, TFSA limits, YMPE and the YAMPE
When does TFSA room start?
For a Canadian resident, it starts to accumulate when you turn 18.
CRA, Before you contribute to a TFSA
What happens to money I take out?
You regain the same amount as new contribution room on January 1 of the following year, and that year's dollar limit is added at the same time.
CRA, Calculate your TFSA contribution room
How much new RRSP room do I get each year?
18% of last year's earned income, to a yearly dollar maximum. The maximum is $33,810 for 2026.
CRA, How contributions affect your RRSP/PRPP deduction limit
Where do I find my exact figure?
In your CRA My Account. The CRA's figure is the one that counts. The tool on this site only adds up the published limits, and it assumes you have lived in Canada since you turned 18.
BOOK A REVIEW
Talk it through, room first.
Leave a number or an email and say what you would like to look at. Bring your CRA figures if you have them.
Or call 905-555-0157hello@halvane.example
