Home         Clients          Insurance Quotes    
    Contact Us    
Plus One Financial - www.moneyco.ca
"Give me an hour of your time and I'll give you 20 years of mine."
David M. Lapos CFP - Plus One Financial

David M. Lapos CFP, President - Plus One Financial

At Plus One Financial we work with you to build and implement a financial plan that will work within your means and utilize your financial resources to their fullest extent, to meet your financial goals. Young or old, Rich or poor, our financial plans and services have helped thousands of clients to gain control of their financial lives.

RRSP Loans RRSP Loans

RRSP Contribution Loans

As LOW as Prime + 1.0%*
* rate applies if loan funds are used to purchase Mackenzie funds.
Note: Prime rate is variable. Therefore, it is subject to change during the life of the loan
Note: Rates may vary based on applicants details and credit history
Note: On Approved Credit applications
Click for Annual RRSP Tips!Click for Annual RRSP Tips!Click for Annual RRSP Tips!
Note From Dave's Desk

Tax-Free Savings Account(TFSA)

The Tax-Free Savings Account is a flexible registered account that allows Canadians to watch their investments including interest income, dividend payments and capital gains grow tax-free.  Whereas an RRSP is intended for retirement, a TFSA is effective for achieving any of pre-retirement, retirement and estate planning goals.

Which is Better... an RRSP or a TFSA?

The two programs are intended to be tax – neutral, if all factors are equal.
RRSP’s are better if your tax rate on withdrawal is lower than that when you contributed.
TFSA’s are better if your tax rate on withdrawal is higher than that when you contributed.

Scenarios - What's Best for YOU... a TFSA or RRSP...


Our View Today

Happy New Year!

It is always a welcomed opportunity to wish you a joyous and prosperous new year and to thank you for your patronage and referrals over my past 19 years as a financial planner.

Tax-Free Savings Accounts(TFSA)

Your investments can now earn interest income, divided payments and/or capital gains on a tax exempt basis.

Each year starting with 2009, you are allowed to contribute up to $5,000.00 to your TFSA, that's a cumulative total of $15,000.00. You choose how to invest the money, options include stocks, bonds, GICs and mutual funds.

RRSP Loans Available at Rates as Low as Prime + 1.0%

If you require an RRSP loan, please contact us prior to February 15th so as to allow us sufficient lead time to get your loan and RSP purchases in place prior to the March 1st deadline. Loan Payment deferral of up to 180 days.

It's RRSP season again! Here are some RRSP Tips...


Plus One Financial
David M. Lapos  CFP
599 Seburn Drive  P.O. Box 580
Mt. Brydges, ON N0L 1W0
P: 519-264-3137 F: 519-264-3138
Toll Free: 1-888-582-3493
Mutual Funds Provided through FundEX Investments Inc.
Privacy Policy - Disclaimer/Terms of Use