Buying a first home is a major financial milestone for many Canadians. Understanding which savings tools to use—and how they work together—can make a meaningful difference when planning for a down payment. The Compare Home Ownership Plans infographic provides a clear visual overview of the registered accounts that can help support the journey to home ownership.

Newer programs can complement existing ones to help Canadians build their down payment more efficiently.

How Home Ownership Plans Can Work Together

The First Home Savings Account (FHSA) allows individuals to contribute up to $40,000 toward their first home, with tax-deductible contributions and tax-free withdrawals when used for a qualifying purchase.

The Home Buyers’ Plan (HBP) allows individuals to withdraw up to $60,000 from their RRSP to help finance a home purchase.

When used together, these programs can offer first-time buyers additional flexibility and greater savings potential. The infographic visually compares contribution rules, withdrawal options, and tax treatment to help clarify how each plan fits into a home-buying strategy.

What the Infographic Covers

The Home Ownership Plans Infographic provides a straightforward overview of each registered plan, including:

• Key features of the FHSA, RRSP, TFSA, and Home Buyers’ Plan
• Current contribution limits and carryforward rules
• When and how funds can be accessed for a home purchase
• Tax considerations, including deductions, tax-free growth, and withdrawals
• Examples of how the plans may be used together in a coordinated strategy

By presenting this information visually, the infographic helps simplify complex rules that can otherwise be difficult to navigate.

Helping Canadians Plan for Their First Home

Whether used in client meetings, shared as an educational resource, or included in planning materials, the Home Ownership Plans Infographic helps Canadians better understand their options and feel more confident as they work toward home ownership.

Communicate Complex Concepts
Financial infographics are powerful tools for transforming complex data and information into a clear, visually engaging story. By presenting insights through visuals, clients and prospects can quickly grasp key concepts, making the content more memorable and impactful.

Current & Shareable
Keep your client communications fresh and relevant with vibrant, timely infographics that can be easily shared on social media, through email, in meetings, or via mailings.

Personalized
Infographics are personalized with the advisor name, contact information and company logo.

This Stay the Course infographic reinforces that choosing investments that align with your risk tolerance and the time horizon of when you will need to draw on the investments will help to achieve your financial goals.

Financial markets experience fluctuations driven by short-term events or shifting sentiments, which can often be misleading. Investors who stick to a well-researched strategy and remain committed to their investment plan are better positioned to benefit from the overall upward trend of the market.

When investing for the long run, short-term fluctuations are expected.

Historical Data

Historical evidence consistently shows that those who stay invested through various market cycles tend to achieve better returns compared to those who attempt to time the market or react to short-term fluctuations. This steady approach enables investors to take advantage of compound growth and turn market volatility into a long-term asset.

Disciplined Approach

For financial advisors, sharing this Stay the Course infographic is a strategic way to educate clients on the value of long-term investing. Shareable, visual pieces simplify complex investment concepts, making it easier for clients to grasp why sticking to a plan is advantageous. Infographics can effectively present historical performance trends, illustrate how market volatility affects different strategies, and highlight the benefits of a disciplined approach. By providing these visual tools, advisors can reinforce their guidance, address client concerns, and build trust by showing their commitment to clients’ long-term financial success despite market fluctuations.

The Value of Advice

The Stay the Course infographic serves as a practical reminder for clients to resist making impulsive decisions during periods of market stress. Clear, visual evidence of the benefits of maintaining their investment strategy helps clients remain focused on their long-term goals rather than being swayed by short-term market noise or fear. This educational approach not only supports better decision-making but also strengthens the advisor-client relationship, showcasing the advisor’s role as a thoughtful, strategic partner dedicated to the client’s best interests.

This infographic is included in FreshPlan software and is also available as a print-ready or web-ready piece.

Related infographics:

• Market Volatility
• Holding Periods & Volatility
• Investor Emotions

Communicate Complex Concepts
Shareable, financial infographics are an effective way to take complex ideas, filled with data and facts and simplifying the story using with visuals. When clients and prospects gain insights quickly, the content is more memorable.

Current & Shareable
Manage your client communications with current and timely vibrant infographics to share on social media, via email, in meetings or mailings.

Personalized
Infographics are personalized with the advisor name, contact information and company logo.

Taxes can be confusing, and the CRA tax rules continue to change. This Tax Tips infographic is updated annually and outlines deductions and credits to help ensure your clients are claiming all they are allowed to help lessen their tax bill.

Search for relevant Canadian tax credits and deductions.

Whether you are a home owner, a caregiver, a student or a business owner, you may be eligible to claim a number of credits and/or deductions to help you pay less tax this year. Discover more in the Tax Tips infographic.

If you’re a homeowner, there are several tax credits you might be eligible for. For example, the First-Time Home Buyers’ Tax Credit can offer financial relief, as can the First Home Savings Account deductions. Additionally, homeowners may qualify for other home-related credits, such as the GST/HST Residential Rental Property Rebate, the Home Accessibility Tax Credit, or the Multi-Generational Home Renovation Tax Credit, which can help offset some of the costs of home improvements.

For students, there are valuable tax credits to explore, including the Tuition Tax Credit, which can help reduce the amount of tax you owe. You can also claim interest on student loans, which can provide some financial relief. If you moved to attend post-secondary education, the Moving Expenses Credit might apply to help cover some of your relocation costs.

Tax Tips infographic outlines a number of credits available for those in the workforce. Self-employed individuals can deduct business-related expenses, while tradespeople may be able to claim costs for tools and dues. If you’ve worked from home, the Work from Home Program allows you to claim certain expenses, and the Canada Employment Credit may provide additional savings.

These are just a few of the many tax credits and deductions available to you. Be sure to check out the Tax Tips infographic to make sure you’re taking advantage of every opportunity to save!

Communicate Complex Concepts
Financial Infographics are an effective way to take complex ideas, filled with data and facts and simplifying the story using with visuals. When clients and prospects gain insights quickly, the content is more memorable.

Current & Shareable
Manage your client communications with current and timely vibrant infographics to share on social media, via email, in meetings or mailings.

Personalized
Infographics are personalized with the advisor name, contact information and company logo.

Financial professionals provide clients with many complex and valuable services. The Value of Advice infographic illustrates how investors benefit from working with a financial professional.

Canadian research has shown that ongoing advice enhances long-term savings.

Financial professionals provide clients with a deep knowledge of financial strategies and investment vehicles. Along with their experience, they help to keep clients on track to meet their changing goals while providing peace of mind. A written comprehensive financial needs analysis provides accountability that makes achieving long-term financial goals more realistic. This Value of Advice infographic emphasizes that financial guidance over many years will help to prepare for life’s major events.

This is a starting place for the important relationship advisors build with their clients and works well with the Financial Planning Process infographic.

Communicate Complex Concepts
Financial Infographics are an effective way to take complex ideas, filled with data and facts and simplifying the story using with visuals. When clients and prospects gain insights quickly, the content is more memorable.

Current & Shareable
Manage your client communications with current and timely vibrant infographics to share on social media, via email, in meetings or mailings.

Personalized
Infographics are personalized with the advisor name, contact information and company logo.

This TFSA and RRSP infographic illustrates that often saving for the future involves using both RRSPs and TFSAs.

Is it better to invest in an RRSP or TFSA? With updated numbers each year, this infographic is designed to help illustrate the answer, “it depends”.

This TFSA and RRSP infographic illustrates the similarities and differences between the Registered Retirement Saving Plan and the Tax-Free Savings Plan. Both RRSPs and TFSAs offer tax advantages to save for both long and short-term goals.

This infographic includes current contribution limits and information about eligibility and tax deductibility. Moreover, highlights on withdrawing funds are included like timing and tax on withdrawals. The TFSA and RRSP infographic is a helpful resource updated each year. For details about each savings plan, visit the CRA site.

This infographic is included in FreshPlan software and is also available as a print-ready or web-ready piece.

To help with your planning, explore these related infographics:

• Grow Your RRSP
• TFSA Spend or Invest
• Registered Plan Limits

Communicate Complex Concepts
Financial Infographics are an effective way to take complex ideas, filled with data and facts and simplifying the story using with visuals. When clients and prospects gain insights quickly, the content is more memorable.

Current & Shareable
Manage your client communications with current and timely vibrant infographics to share on social media, via email, in meetings or mailings.

Personalized
Infographics are personalized with the advisor name, contact information and company logo.

From registered contribution limits to benefit amounts and tax rates, the Money Facts infographics are updated annually and serves as a helpful reference for these important conversations with clients.

Each province also has their own Money Dates infographic featuring provincial combined marginal tax rates.

There are a number of Money Facts to keep track of during the year. Because contribution limits and benefit payments change each year, this timely guide illustrates updates for RRSP and TFSA contribution limits, annual Canada Pension Plan benefits, Old Age Security pension benefits, and federal and provincial tax rates.

This infographic is included in FreshPlan software and is also available as a print-ready or web-ready piece.

Related Infographics:

• Money Dates
• OAS & CPP Benefits

Communicate Complex Concepts
Financial Infographics are an effective way to take complex ideas, filled with data and facts and simplifying the story using with visuals. When clients and prospects gain insights quickly, the content is more memorable.

Current & Shareable
Manage your client communications with current and timely vibrant infographics to share on social media, via email, in meetings or mailings.

Personalized
Infographics are personalized with the advisor name, contact information and company logo.

The 2025 Federal Budget introduces a range of measures aimed at making life more affordable for Canadians while supporting economic productivity and growth. Our Canadian Budget Infographic highlights the most relevant updates in an easy-to-read format—ideal for clients looking to understand what’s changing and how it may affect them.

Updated with each federal Budget, see reflections from the previous release and the highlights to look forward to.

This year’s infographic starts with a look at the broader economic landscape—covering the Canadian dollar, oil prices, employment, and the federal deficit since the last budget—before outlining key policy changes for individuals, families, and businesses.

Key Measures

• GST Relief for First-Time Home Buyers – The GST will be removed on new homes up to $1 million and reduced on homes up to $1.5 million, helping more Canadians access homeownership.
• Top-Up Tax Credit – Preserves the full 15% value of non-refundable credits such as tuition, medical, and disability under the new 14% tax rate.
• No-Fee Account Transfers – Transfer fees for investment and registered accounts at federally regulated institutions will be eliminated, saving investors money and simplifying account management.
• Luxury Tax and Underused Housing Tax Eliminated – Streamlining the system by removing these taxes and focusing on stronger compliance and fairness.
• Targeted Support for Canadians – Includes a $150 one-time Disability Tax Credit payment, automatic federal benefit filing for low-income Canadians, and a new refundable credit for personal support workers.
• Youth and Family Measures – Funding for youth employment programs and updates to home accessibility and medical expense credits.
• Business Productivity and Innovation – Immediate write-offs through a new Productivity Super-Deduction and higher refundable SR&ED tax credits to encourage R&D and investment.

Explore the Canadian Budget Infographic to see how Budget 2025 could influence financial plans, business strategy, and household finances across Canada.

Communicate Complex Concepts
Financial infographics are an effective way to take complex ideas, filled with data and facts and simplifying the story using with visuals. When clients and prospects gain insights quickly, the content is more memorable.

Current & Shareable
Manage your client communications with current and timely vibrant infographics to share on social media, via email, in meetings or mailings.

Personalized
Infographics are personalized with the advisor name, contact information and company logo.

As home prices continue to rise, more Canadian parents are stepping in to help their children enter the housing market. In fact, over 30% of first-time buyers now receive financial support from family—gifts that averaged $115,000 in 2024. In provinces like Ontario and B.C., that number is even higher. Helping your kids buy a home has become one of the most common ways families pass on wealth when it’s needed most.

Support their first home without risking your financial future.

Infographic Highlights

While this kind of support can be incredibly meaningful, it’s important to approach it thoughtfully. Whether offering a financial gift, co-signing a mortgage, or buying property together, each option involves trade-offs—financial, legal, and personal. With clear communication and the right planning, parents can provide real help while also safeguarding their own long-term goals.

Designed for Advisors to share with Clients

This infographic offers a clear, practical overview of the most common ways parents are helping their kids buy a home—along with the risks, trade-offs, and tips for making smart decisions. It’s designed to simplify complex conversations and highlight the importance of thoughtful planning. Strategic financial advisors can use this resource to spark meaningful dialogue with clients, helping them navigate family support in a way that aligns with both personal values and long-term financial goals.

This infographic is available in FreshPlan software or as a stand-alone piece.

Communicate Complex Concepts
Financial infographics are powerful tools for transforming complex data and information into a clear, visually engaging story. By presenting insights through visuals, clients and prospects can quickly grasp key concepts, making the content more memorable and impactful.

Current & Shareable
Keep your client communications fresh and relevant with vibrant, timely infographics that can be easily shared on social media, through email, in meetings, or via mailings.

Personalized
Infographics are personalized with the advisor name, contact information and company logo.

The Investment Holding Periods infographic illustrates how different portfolio combinations perform over time. Designed to help start the conversation about risk and return, the infographic speaks to the best, worst and average returns.

Using historical data, discover the best, worst and average returns of investment portfolio types over time.

Discover how time in the market can impact returns with our Investment Holding Periods infographic. This insightful visual explores best, worst, and average returns across a range of portfolios—from very conservative to aggressive—over holding periods from 1 to 30 years. Grounded in historical data from 1950 to 2024, it offers a practical perspective for long-term investors navigating short-term market noise.

Each portfolio shown was rebalanced annually to its original allocation, reflecting disciplined investing in action. The infographic uses well-known Canadian benchmarks: the S&P/TSX Total Return Index for stocks, Canada 10 Year Government Bonds for fixed income, and the TBill Index for cash. The result is a clear, relatable tool that helps illustrate how asset mix and time horizon work together to shape investment outcomes.

For financial professionals, this resource supports meaningful conversations around client goals, expectations, and time frames. It pairs especially well with the Financial Planning Process infographic, creating a foundation for trust, education, and long-term strategy.

Communicate Complex Concepts
Financial Infographics are an effective way to take complex ideas, filled with data and facts and simplifying the story using with visuals. When clients and prospects gain insights quickly, the content is more memorable.

Current & Shareable
Manage your client communications with current and timely vibrant infographics to share on social media, via email, in meetings or mailings.

Personalized
Infographics are personalized with the advisor name, contact information and company logo.

The Wealth Transfer infographic is a clear, approachable tool designed to help financial professionals open meaningful conversations with clients about intergenerational wealth planning. This thoughtfully created resource simplifies a complex topic, inviting clients to consider how their legacy will be managed—and by whom. It’s a relatable, low-pressure way to start important discussions that are often put off or avoided.

The Wealth Transfer Infographic: A Practical Conversation Starter.

Intentional Planning Made Simple

Planning ahead is one of the most impactful things a person can do for their family. The Wealth Transfer infographic offers a practical starting point, laying out key steps in a way that’s easy to follow. It begins with what matters most: talking openly with loved ones. These conversations build trust and set the stage for a more organized and confident approach to the future.

From there, the infographic guides clients to review their financial picture—taking stock of assets, liabilities, and key documents. It also highlights smart ways to plan for tax efficiency, helping ensure more of their wealth stays with the people and causes they care about. Finally, it prompts a review of insurance and estate planning goals, ensuring these still align with evolving values and life circumstances.

Whether someone is just beginning or revisiting their strategy, this visual guide makes the process feel manageable—and meaningful.

Sharing Infographics with Clients

When financial professionals share the Wealth Transfer infographic, they offer more than advice—they provide families with a broader, more connected planning experience. One of the most valuable outcomes? Encouraging clients to introduce their financial advisor to their children, creating continuity and laying the foundation for multigenerational trust. It’s a straightforward way to help ensure that the wealth you help manage today stays invested with your firm tomorrow.

Professionals who use tools like this position themselves to deliver deeper, more personalized advice to clients and their families—including the next generation. In an increasingly competitive landscape, this kind of forward-thinking support strengthens relationships and helps your practice stand out. The Wealth Transfer infographic doesn’t just inform—it empowers action and creates connection.

Also available in FreshPlan.

Communicate Complex Concepts
Financial Infographics are an effective way to take complex ideas, filled with data and facts and simplifying the story using with visuals. When clients and prospects gain insights quickly, the content is more memorable.

Current & Shareable
Manage your client communications with current and timely vibrant infographics to share on social media, via email, in meetings or mailings.

Personalized
Infographics are personalized with the advisor name, contact information and company logo.