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- Mega2
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  Helping you achieve your financial goals using evidence-based investing, fuelled by relationships, not commissions.
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  Discover all the latest articles to help you become a more confident investor.
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  Get quick and easy answers to all your financial concerns with Ask TMFG hosted by Carlo Cansino and John Iaconetti.
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  TFSA vs. RRSP? Cash flow calculator? Check out our tools and calculators and start investing with confidence – whatever your goals are.

Services
- Mega1
  Our Services
  Replacing biases and gut feelings with data, logic and science. For more than 30 years, we have been putting financial science to work for investors by translating compelling research into real-world investment solutions. Learn more.
  Retirement Planning
  Feel excited about life during retirement.
  Estate Planning
  Plan for your family’s future with confidence.
  Insurance Planning
  Feel excited about life during retirement.
  Tax Strategies
  Effective tax strategies to reduce your tax while boosting your savings.
  Portfolio Management
  Helping you confidently use logic and science to beat the market rather than outguessing it.
  Transfer of Wealth
  Confidently prepare and transfer wealth from one generation to the next.
About
- Mega2
  About The McClelland Financial Group of Assante Wealth Management Ltd.
  Helping you achieve your financial goals using evidence-based investing, fuelled by relationships, not commissions.
  About Us
  Helping Canadian Families create wealth and prosperity through sound financial planning.
  Team
  Meet your award-winning advisory team.
  Why Choose Us?
  With so many financial advisors, why us?
  Community Involvement
  Our shared values.
Resources
- Mega3
  Resources
  Hot topics, need to know, and advice shared by our Financial Advisors.
  Articles
  Discover all the latest articles to help you become a more confident investor.
  Podcast
  The ThinkSmart Podcast.
  Videos
  Get quick and easy answers to all your financial concerns with Ask TMFG hosted by Carlo Cansino and John Iaconetti.
  Free Resources
  Free resources to help you grow your money with confidence.
Client Portal
- Mega4
  Client Portal
  Access your accounts and set of financial tools.
  Box Online Account
  Login Here
  Assante Login
  Assante Investor Online
  Client Tools
  TFSA vs. RRSP? Cash flow calculator? Check out our tools and calculators and start investing with confidence – whatever your goals are.

Newsletters

How do the RRSP contribution carry forward rules work?

Amber Mazurkiewicz

December 6, 2022

MoneySense.ca:
“As soon as a taxpayer starts to earn income—like employment income, self-employment income, royalties, research grants or net rental income—they accumulate room for their registered retirement savings plan (RRSP). There are no age limits, so a teenager with a part-time job can start to build their RRSP room as long as they file a tax return to report their earned income.”

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Disclaimer | Assante advisory services are offered through Assante Capital Management Ltd. Assante Capital Management Ltd. is a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada. The services described may not be applicable or available with respect to all clients. Services and products may be provided by an Assante advisor or through affiliated or non-affiliated third parties. Some services and products may not be available through all Assante advisors. Services may change without notice. Insurance products and services are provided through Assante Estate and Insurance Services Inc.