You earn to save, and save to grow. However, the recipe for securing a solid financial future isn't always this easy.

As an investor who works hard to make the most of each pay cheque, you know taxes can swallow up a significant portion of your earnings. That's why Rice Financial works to help investors find ways to defer tax and grow their investments. It's a save now, pay later approach allowing you to lay the foundation for a strong financial future.

	At Rice Financial we're committed to putting more money in your pocket - and this includes reducing what you pay in taxes. It's wealth management at its best. Count on your Rice Financial advisor to take you through a number of tax - savvy strategies including:
			spousal income splitting to move into a lower tax bracket
			contributing to RRSPs and RESPs for tax-deferred growth and
			savings
			investing in labour-sponsored funds offering both federal and
			provincial tax breaks
			utilizing pension income tax credit
			preparing an effective estate plan to minimize tax when you die