Pop quiz: Did you know that in Canada only the amount above each bracket is taxed at the higher rate? And that contributing to SPP can help lower your taxable income, potentially lowering your bracket? Learn more here: buff.ly/UhP6PLE

SPP offers all the benefits of an RRSP… and then some! You get the same tax-deferred growth, but SPP keeps your money locked-in until age 55 (so it’s there when you need it). There’s no commission, low MER (Management Expense Ratio) and it’s pooled to maximize investing power.

It’s not your advisor’s fault they can’t sell SPP. They’d love to be able to tell you about SPP’s strong returns and low MER. But it’s not available from advisors. So, call, email or visit buff.ly/rYJkdQk for yourself to find out more.

Make taxes less stressful this year: ✔️ Round up all tax slips and receipts before you start ✔️ File online or work with a pro ✔️ Keep an eye on the April 30th filing deadline ✔️ Set up direct deposit to get your refund faster (and consider putting it to work with SPP)

SPP and CPP are more different than they are similar. • CPP is mandatory, SPP is voluntary • CPP is paid by all workers in Canada, SPP is for anyone over 18 • CPP offers no tax benefits, SPP gives you RRSP tax advantages SPP works together with CPP to help you retire more

Time’s running out! Contribute to SPP by March 2nd to reduce your taxable income and make the most of your income tax return for 2025. The more of your available RRSP room you use, the more you can save.

Unless you’re a confident DIY investor, a financial planner can make it easier to pave your road to retirement. While they can’t sell you SPP directly, they can help you build a plan that includes your SPP contributions, so you can make the most of everything SPP has to offer!

It’s the final week. If you’ve got some RRSP room to spare, now’s your chance to make the most of it. The RRSP deadline is March 2nd, so get those contributions in before time runs out!

Contributing to SPP is easy! Choose the worry-free consistency of pre-authorized contributions, top-up via online banking or credit card, or transfer-in from unlocked registered savings held elsewhere. Pick what works best for you! buff.ly/gXLAhb5

OAS is valuable income in retirement. But if you’re still earning, you’re limited in how much OAS you can collect without clawbacks. That’s why supplementing with an investment like SPP is so important. Get the lowdown OAS recovery tax here: buff.ly/3oAQMsi

Hey entrepreneurs, bet you’ve never heard this one: “That’s great you’re following your passion, but how are you going to retire?” Sounds like they don’t know about SPP. Whether you’re a team of 1 or 100, if you’re between 18 & 71, you qualify to start saving with SPP!

Investing doesn’t have to be complicated or involved. The rise of minimalist investing proves it! With SPP’s easy sign-up, simple structure and professional management, all you need to do is contribute regularly and watch your money grow!

New to Canada? It’s never too early to start planning for your future. If you’re aged 18–71, file taxes here and have available RRSP room, you can sign up and contribute to SPP. Get started and build your financial future! buff.ly/uw3Fp7y

Getting a handle on your money doesn’t have to be hard. Find free budgeting apps and tools through your bank or the Government of Canada website, or explore even more top-rated options in this article: buff.ly/iQR8Pz7

Wishing you a peaceful Good Friday. Today offers a chance to pause, reflect, and appreciate the values of gratitude, renewal, and hope. Whether you’re spending the day surrounded by family or enjoying a quiet moment to yourself, may it bring calm and meaning to your day. At

Just like starting seeds early sets you up for a lush, full garden, starting your retirement savings journey early can help you achieve a fuller retirement faster. Even a little today can make your retirement bloom with possibilities! buff.ly/3xwXh2v

SPP isn’t just a smart move to prepare for retirement, it’s a great tool after you retire, too! Enjoy low fees and strong long-term performance to keep your money growing, and flexible payout options that let you collect how you choose. Get in touch to learn more!

Starting your own business? ✅ New to Canada? ✅ Working 9-5? ✅ In your first semester at college? ✅ Stay at home parent? ✅ Winding down your career? ✅ If you’re over 18 and have available RRSP room, you can join and contribute to SPP! buff.ly/FZcaPrr

Wish the rest of your unlocked registered savings could enjoy SPP’s low MER and strong returns? They can! Transferring is easy and you won’t pay any tax during transfer, either. Just fill out a simple form or get in touch and we’ll be happy to help. buff.ly/oB8pjY6

Meet Alycia! She joined SPP as a Member Service Representative in January 2019, and has since worked as a Retirement Officer and now, Pension Benefits Officer – the full pension plan journey! When she’s not helping people make the most of their retirement, Alycia can be found