WHAT EXACTLY IS A

TAX-FREE SAVINGS ACCOUNT 

 (TFSA)?

 Do you know what a TFSA really is?
If it’s not like a bank savings account, then what is it?
Why should RRSP lovers look closely at TFSAs?

HOW DOES A TFSA WORK?
Do you know how to make a TFSA function to your advantage?
Do you know what and how to invest in your TFSA?
Are all TFSA cases the same?

A TAX-FREE INCOME STREAM?
How can you create a tax-free income stream flowing from a TFSA?
Do you know how to receive
 tax-free guaranteed retirement pension income
for the rest of your life from your TFSA?
Is a risk-free, tax-free, TFSA possible?  
Why?
 How?

HOW DO YOU MAXIMIZE YOUR TFSA?
Do you know how to maximize your TFSA?
How do you maximize your investments in your TFSA?
How do you maximize returns in your TFSA?
Would you like to upgrade your current TFSA at no extra cost?

HOW DO YOU INVEST IN A TFSA?
Do you know which types of investments are best suited
 to your TSFA?
Why are some types of investments better suited
 to TFSAs than others?
Can you invest your RRSP tax refund in your TFSA?
What for?
How?
Should you borrow money to invest in your TFSA?
If you borrow, are you allowed to deduct the interest expense
as you would for other investments?
Should you aim for high-return investments in your TFSA?

HOW CAN YOU MANAGE A TFSA FOR MAXIMUM EFFICIENCY?
How do you increase the value of your TSFA 
while minimizing risk?
Can a TFSA avoid the Old Age Security claw-back or are you penalized like with a RRIF withdrawal?
How often should you review the content and performance 
of your TFSA?
Why does it pay to coordinate TFSA and RRSP investments?

TFSA OR RRSP?
Which is best, money placed in a TFSA or in an RRSP?
In which vehicle would you invest first?
What comes first, investing in RRSP or TFSA?
What factors would determine your decision?
Under what circumstances can a TFSA be better than a RRSP?
How can you make your RRSP and TFSA work 
in tandem to maximize benefits?
What makes more sense in the long term, a RRSP or a TFSA?

CONTRIBUTION RULES TO TFSA?
Is there an age limit for TFSA contributions?
Are contributions to TFSA subject to attribution rules?
Why should you maximize your TFSA?
Why is a TFSA particularly advantageous to 
a passive income earner?
Are contributions to your TFSA tax-deductible?
Do contribution rates vary with your income?
How much are you allowed to contribute?

IS A SPOUSAL TFSA AVAILABLE?
Are you allowed to make contributions to a TFSA 
on behalf of your spouse?
Is your spouse allowed to make withdrawals 
without your permission?
What happens to your TFSA if your marriage breaks down?

WITHDRAWALS FROM TFSA?
Are you allowed to withdraw money from your TFSA?
Are withdrawals taxable or tax-free?
When?
Do you have to cash out of a TFSA by a certain age (like with a RRSP)?

TO WHOM IS A TFSA OF PARTICULAR INTEREST?
Why should retirees and low-income individuals 
consider owning a TFSA?
Why should young people consider owning a TFSA?
Why would investors definitely benefit from having a TFSA?
Should TFSA take priority over RRSP?  If so, then why?

TAX  BENEFITS OF TFSA?
What investment options are available for a TFSA?
Are you allowed to open a joint TFSA account?
In what year did TSFAs start?
Are you allowed to contribute today to make up for
the years during which you did not contribute?
Is there a lifetime contribution limit?

IMPORTANT TFSA QUESTIONS
What happens if you over-contribute to your TFSA?
How are your capital losses treated in a TFSA?
Will TFSA income be taxed at a later date like RRSP income?
Can a TFSA be used for income-splitting?
How about if you die?
What happens to your TFSA?
How can grandparents use TFSA’s tax-free benefits 
for their grandchildren?


YOU ARE INVITED TO CONSULT
OUR TSFA EXPERTS
FOR ANSWERS TO YOUR QUESTIONS
- NO FEES OR OBLIGATION-

PHONE
514-739-857

EMAIL
robin.behar@gmail.com
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to their Clients



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