Alex S.
Flavio and Violetta are not only friendly and welcoming, they are also incredibly knowledgeable and forthcoming. I would recommend them to all who are seeking any type of honest and educated advice.
Giacomo and Maria S.
Thanks to M.Vani me and my wife are looking forward to a beautiful retirement.Thank you Flavio for your help and guidance. I would refer this team to all my friends and family.
Zohreh and Ali M.
Mr. Flavio and Ms. Violetta Vani, your caring for your client individually is a great asset. Your knowledge and experience in investment gives us confidence in you work. We are very happy to have chosen your company to take care of us.
Seshadri Sankar
Recently, I had the opportunity to meet young Violetta Vani who is following her father’s footsteps. I was very impressed with her presentation during our company’s renewal of extended health insurance. I was very comfortable with her explanations and advice. Without any hesitation, I will recommend Team Vani to anyone requiring insurance and investment needs.
Tax Free Savings Account
The TFSA was introduced by the Canadian government and came into effect in January 2009 as a way of helping Canadians save for different purposes throughout their lifetime. The TFSA allows for tax-free growth of investment income and capital gains, while providing flexibility for contributions and withdrawals
Registered retirement savings plan (RRSP)
How much you can contribute to your RRSP depends on your deduction limit, often referred to as your “contribution room”. Your contribution room is the maximum amount you can deduct to reduce taxes for a given year. To find out your contribution room for the current year, refer to your most recent Notice of Assessment from the CRA, which can be found on your previous year’s tax return.
What is a Registered Education Savings Plan (RESP)?
A RESP is a savings vehicle used to finance post-secondary education. The subscriber of the account agrees to deposit a portion of his savings in the Registered Education Savings Plan, for his children, for his nephews or for small children, etc. to benefit from the educational assistance (EAP) financed by the Government of Canada and Quebec.
Mortgage: Being a responsible borrower
It is important to understand what it is like to be a responsible borrower in order to properly understand your mortgage.
According to the Mortgage Broker Regulators’ Council of Canada (MBRCC), several questions are important to consider, when applying for loan and here are the top 6:
Taxation of RRSP and TFSA plans
To find out which savings plan or plan combination is best for you, savers should always consider their own circumstances and aim for rational personal goals.
The Registered Retirement Savings Plan (RRSP) is designed to help Canadians build capital to provide themselves an income on the day of their retirement.
Independent advisors, how do we work?
We sincerely believe that listening is an indispensable value in our field. Flavio and I offer our clients a continuity of services throughout their financial journey. We listen to your needs while establishing follow-up meetings according to your different life stage