One of the smartest moves young families in Ontario can make is opening a Registered Education Savings Plan (RESP). We’ll help you understand the government grants available (like the CESG, which matches 20% of your annual contributions up to $500/year), and create a flexible plan based on your budget and goals. Starting early means your money has more time to grow.

Life, critical illness, and disability insurance are essential safeguards. We’ll help you choose the right protection based on your income, debt, number of dependents, and lifestyle—without overpaying for what you don’t need. It’s about securing your family’s future if the unexpected happens.

Great question—especially with today’s interest rates. We’ll show you how to create a balanced financial strategy that pays down debt while still investing in your long-term goals like retirement, home improvements, and your kids’ future. You don’t have to choose between them—we’ll help you find the right mix.

These are two powerful tools for building wealth in Canada. Whether your priority is reducing taxes now (RRSP) or having tax-free growth and withdrawals (TFSA), we’ll help you structure your contributions based on your income, age, and family needs. It’s about maximizing benefits today and building security for tomorrow.

At GRFS, we believe in planning for every stage—from diapers to diplomas to retirement. We’ll help you create a personalized Life Roadmap that adapts as your family grows, setting milestones for emergency savings, debt repayment, education, vacations, and retirement. Planning now = peace of mind later.