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For the 2026 tax year, your RRSP contribution limit is generally 18% of your 2025 earned income , up to a maximum of $33,810 . This limit may be reduced if you have pension adjustments from an employer pension or deferred profit-sharing plan. Your exact contribution room can be found on your most recent CRA Notice of Assessment  or through your CRA My Account. RRSP Deadline for the 2025 Tax Year The deadline to contribute to your RRSP and claim it on your 2025 tax return  is:

Every RRSP season, we hear some version of this: “I don’t really believe in RRSPs.” Usually it comes with a follow-up like: Why would I put money into something that just gets taxed when I take it out? Fair question. And honestly, it makes sense on the surface. But this is one of those cases where the details matter — a lot. At Volpe Financial Solutions , we’re not interested in pushing products. We’re interested in helping people understand how things actually work , so they

Market ups and downs can be unsettling, but volatility is a normal part of investing. At Volpe Financial Solutions, we believe that long-term discipline—not short-term reaction—is the key to building wealth. This guide explores why staying the course often leads to stronger outcomes, even when the market feels unpredictable. 1. Understanding the Emotional Cycle of Investing When markets dip, it’s easy to let emotions drive decisions. Many investors feel euphoric when prices r

At Volpe Financial Solutions, we’re always watching the changes that could impact your family’s financial future. As of January 1, 2025 ,...

At Volpe Financial Solutions , we often hear questions like: "Should I pull my investments during a downturn?"  or "Can I re-enter the...