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Registered investment plans

From education to retirement, we’ve got the advice and registered plans you need.

Smithers Photo: Marty Clemens

Tax-free saving for life's bigger goals

Investing in your future never goes out of style, whether you’re building for retirement or saving for your next big adventure
  • Meet larger or longer-term savings goals
  • Grow your money tax-free
  • Full range of investment plans
  • Great advice and support at every stage

Rainy day? RV? Retirement?
We’ll help you meet your saving goals.


Registered Retirement Savings Plan (RRSP)

Tax-deferred saving for retirement

Watch your retirement nest-egg grow for the long-term, with tax-deductible contributions in the short-term.

  • Build wealth over time 
  • Enjoy tax-free gains
  • Contributions are tax-deductible
  • Carry forward annual contribution room  

Make an appointment Learn more


Registered Education Savings Plan (RESP)

Save for children’s education

Start saving for your kids education with an RESP. Earn interest on your investment and receive government grants to save even more.

  • Investment growth tax free
  • Up to $10,400 in total grants available from the federal government
  • Individual or family savings plans

Make an appointment Learn more

Retirement income

Registered Retirement Income Fund (RRIF)

Withdraw an income in retirement

Converting to an RRIF at 71 allows you to withdraw from your RRSP and provide yourself with income to help you enjoy your retirement.

  • Continued tax shelter for your investments
  • Flexible yearly withdrawal payments, with an annual minimum
  • No annual withdrawal limit but funds may be taxed

Make an appointment Learn more

Tax-free saving

Tax-Free Savings Account (TFSA)

Grow your money, tax-free

Perfect for short, medium, and long-term saving, you'll pay no tax on your gains when you’re ready to withdraw and use them.

  • Earnings from income or interest is always tax free
  • Carry forward annual contribution room
  • No restrictions on use of funds  

Make an appointment Learn more


Registered Disability Savings Plan (RDSP)

Tax-deferred saving for people with disabilities

A plan for people with disabilities, who often have specific long-term financial needs, such as money for medical expenses.

  • Anyone can contribute to a RDSP on behalf of the beneficiary
  • Eligible for most investment options under registered plans
  • Receive tax deferred investment growth  

Make an appointment Learn more

First Home

First Home Savings Account (FHSA)

A First Home Savings Account (FHSA) is a new registered plan that lets you save tax-free for a down payment on your first qualifying home

  • Qualified withdrawals from your FHSA to buy a home won’t be taxable.
  • Like an RRSP, contributions can be used as deductions against your earned income, lowering the tax you pay when you file your return.
  • Like a TFSA, your investment earnings won’t be taxed.
  • You can keep your FHSA open for 15 years. If you don’t end up buying a home, you can transfer your FHSA savings to an RRSP or RRIF without paying taxes on the transfer.

Make an appointment Learn more

Mutual Funds

Have you considered a mutual funds* portfolio?

Withdraw an income in retirement

Mutual funds enable you to invest in a portfolio of stocks, bonds and other investable assets—professionally managed by a team of investment professionals.

Learn more

Mutual funds, other securities and securities related financial planning services are offered through Qtrade Advisor, a division of Credential Qtrade Securites Inc.
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Expert investment advice when you need it

Your investment plan evolves as you age and your life, financial needs, and risk tolerance changes. Our Qtrade Advisors can provide advice and guidance every step of the way.

Make an appointment

Reach us wherever you are

Let your fingers do the walking or come in to see us. 

Meet with an advisor

Book the day and time that suits you.

Visit a branch

We’re open between
9:30am & 4:30pm, M-F.

Send us an email

Email a specific branch or department.

Give us a call

8am-6pm, M-F,
9am-5pm, Sat.

Smithers Branch

3894 1st Avenue
PO Box 3729
Smithers, BC
V0J 2N0
250 847-3255
Hazeltons' Branch

4646 10th Avenue
PO Box 159
New Hazelton, BC
V0J 2J0
250 842-2255

Houston and District Branch

2365 Copeland Avenue
PO Box 1480
Houston, BC
V0J 1Z0
250 845-7117
Lakes District Branch

117-35 Lakeview Mall, Hwy 16
PO Box 1029
Burns Lake, BC
V0J 1E0
250 692-7761

1139 Main Street
PO Box 2380
Smithers, BC
V0J 2N0
866 811-1110

3894 1st Avenue
PO Box 3729
Smithers, BC
V0J 2N0
250 847-7936


3350 10th Street
PO Box 369
Houston, BC
V0J 1Z0
866 811-1115

2367 Copeland Avenue
PO Box 1480
Houston, BC
V0J 1Z0
250 845-7977

3872 1st Avenue
PO Box 3637
Smithers BC
V0J 2N0
250 847-7933
Member Services Contact Centre

3894 1st Avenue
Smithers BC
V0J 2N0
1 877 847-2828

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