Life & Legacy planning
Financial plans for your next chapter
Planning for tomorrow starts today. We offer retirement and estate planning solutions designed to protect your assets and provide for generations to come.
How we safeguard your tomorrow
Retirement Planning
Safeguard your future
Plan your journey to financial independence, ensuring you enjoy the lifestyle you've earned through years of hard work. From optimizing your pensions to creating sustainable income, we help you achieve peace of mind for the next chapter in life.
Education Planning
Invest in your family
Ensure your children have access to every opportunity. Whether setting up an RESP or developing a tailored investment approach, we help you provide for future education costs.
Estate Planning
Leave a legacy that lasts
Protect what you've built and guarantee a smooth transfer of wealth and assets. We help by providing solutions that support your succession plans, by-pass probate, equalize your estate, and leave tax-free cash to your heirs.
Registered Retirement Savings Plan (RRSP)
Reduce your taxable income while saving for retirement. Canadian small business owners can contribute pre-tax dollars, lowering their tax bill.
Registered Retirement Income Plan (RRIF)
Turn your RRSP into retirement income. Provides regular payments with tax deferral, helping you manage your retirement finances.
Registered Disability Savings Plan (RDSP)
Secure the financial future of a loved one with a disability. Government grants and bonds help your savings grow tax-free.
Registered Education Savings Plans (RESP)
Save for your child's education with the help of the Canada Education Savings Grant (CESG). Maximize your savings with government contributions.
First Home Savings Account (FHSA)
Save for your first home with tax-deductible contributions and tax-free withdrawals. A great way to make homeownership a reality.
Life Income & Life Retirement Plan (LIF/LRIF)
Receive retirement income from locked-in pension funds. Provides regular payments with some flexibility for your needs.
Health Savings Account (HSA)
Reduce taxes and cover medical expenses for yourself and your employees. Offers flexibility and comprehensive healthcare coverage.
Mortgage & Debt Protection Plan
Protect your family and business from financial burdens if you can't work or pass away. Ensures your mortgage and debts are covered.
Estate Bonds (Equalization Plan)
Ensure a fair distribution of your estate to your loved ones, even if complex assets are involved. Helps avoid family disputes and ensures your wishes are met.
Start planning today for the tomorrow you want to see
Smart strategies are a crucial part of securing your legacy. Explore our range of investment plans designed to help you secure opportunities for your family's future.
“The HSA you helped me setup allowed me to get my hip surgery promptly, saving me pain and lost farm income, plus it reduced my taxes!”
Farm Owner
Tax Advisory Client, SK
“Through Harvest Financial, we were able to provide a tax-free inheritance for our non-farming children while equalizing our estate through life insurance.”
Farm Owner
Tax Advisory Client, SK
“Harvest Financial helped me make my investment strategy more efficient, create a plan to protect my assets for the long term, and reduce my tax liability.”
Small Business Owner
Tax Advisory Client, AB
“Harvest Financial helped me invest my farm sale proceeds wisely, providing income and peace of mind for my retirement.”
Farm Owner
Tax Advisory Client, MB
“Harvest secured comprehensive critical illness and disability insurance coverage for me and my key employees, protecting our business and families.”
Business Owner
Tax Advisory Client, BC
“Your team helped me invest my inheritance wisely, ensuring higher returns and a smooth transfer to my sons.”
Business Owner
Bookkeeping Client, SK
Let's start the conversation about your tomorrow
Take the first step towards a brighter future. Connect with us, and we'll collaborate with your tax advisor or accountant to build a personalized plan.