Smart, personalized everyday investment solutions to help you grow, protect, and plan your financial future with confidence.
At Citadel Financial Wealth Group (CFWG), we offer a comprehensive suite of investment options tailored to your financial goals. Whether you’re planning for retirement, saving for a major purchase, or seeking to grow your wealth, our licensed advisors are here to guide you every step of the way.
Best for: Long-term retirement savings with tax-deferred growth.
Tax Benefits: Contributions are tax-deductible, reducing your taxable income.
Growth: Investments grow tax-free until withdrawal.
Flexibility: Wide range of investment options including stocks, bonds, and mutual funds.
Ideal for individuals looking to maximize retirement savings while enjoying immediate tax benefits.
🔗 Learn more about RRSP Accounts
Best for: Flexible savings with tax-free growth and withdrawals.
Tax Benefits: Contributions are not tax-deductible, but withdrawals are tax-free.
Growth: Investment income and capital gains grow tax-free.
Flexibility: No restrictions on withdrawals; funds can be used for any purpose.
Perfect for short to medium-term savings goals like vacations, home renovations, or emergency funds.
🔗 Learn more about TFSA Accounts
Everyday banking account with higher interest are also available through Citadel Financial Wealth Group.
🔗 Learn more about High Interst Savings Bank Accounts
Best for: Saving for a child’s post-secondary education.
Government Grants: Eligible for the Canada Education Savings Grant (CESG).
Tax Benefits: Contributions grow tax-deferred; withdrawals are taxed in the student’s hands, often at a lower rate.
Flexibility: Funds can be used for various educational expenses.
An excellent way to invest in your child’s future education.
🔗Learn more about Registered Education Savings Plans
Best for: First-time homebuyers looking to save for a down payment.
Tax Benefits: Contributions are tax-deductible, and withdrawals for a first home purchase are tax-free.
Growth: Investment income grows tax-free.
Eligibility: Canadian residents aged 18 or older who are first-time homebuyers.
Combines the benefits of RRSP and TFSA to help you purchase your first home.
🔗Learn more about First Home Savings Account
Best for: Investors who have maximized their registered account contributions.
Flexibility: No contribution limits or withdrawal restrictions.
Investment Options: Access to a broad range of investment vehicles.
Tax Considerations: Investment income is taxable, but capital gains are taxed at a favorable rate.
Suitable for individuals seeking additional investment opportunities beyond registered accounts.
Mutual Funds: Professionally managed portfolios that pool money from multiple investors.
Exchange-Traded Funds (ETFs): Low-cost, diversified investment options traded on stock exchanges.
Guaranteed Investment Certificates (GICs): Low-risk investments with guaranteed returns.
Stocks and Bonds: Direct investments in companies and government securities.
Segregated Funds: Insurance-based investment products offering potential guarantees.
At Citadel Financial Wealth Group, we’re here to help you make smart, lasting choices about your family’s financial future.
Personalized Advice: Our advisors work with you to develop a customized investment strategy.
Comprehensive Solutions: Access to a wide range of investment products and accounts.
Transparent Fees: Clear and competitive fee structures with no hidden costs.
Trusted Partners: We collaborate with leading financial institutions to offer top-tier investment options.
Call us from 9AM-9PM EST Monday to Friday or email us. Our Canadian-based team is happy to help!
Check your price: no commitment, just quotes!
Apply online when you’re ready.
Licensed Canadian advisors are available by phone Monday to Sunday.
Give us a call at: +1 (877) 273-5614
Our advisors care, so there’s no pressure or upselling.
RRSP contributions are tax-deductible, and withdrawals are taxed, making them ideal for retirement savings. TFSA contributions are not tax-deductible, but withdrawals are tax-free, offering flexibility for various savings goals.
Yes, many Canadians use both accounts to maximize their tax advantages and savings potential.
You can invest in mutual funds, ETFs, stocks, bonds, GICs, and more within RRSPs, TFSAs, and other accounts.
Our advisors will assess your financial goals, risk tolerance, and time horizon to recommend a personalized investment plan.
Yes, you can insure a loved one — but only with their full knowledge and consent.
We’re required to speak directly with any individual you wish to insure, unless they are a minor and you are their legal guardian. This ensures transparency and protects everyone involved in the process.
Buying life insurance while you're young, single, and healthy might seem unnecessary — but it can actually be the smartest time to lock in low rates.
When you're in good health and at a lower risk, you can qualify for more affordable premiums and broader coverage options. That said, life insurance isn’t one-size-fits-all. Speak with one of our licensed advisors to see if there are any gaps in your financial protection and whether now is the right time for a policy tailored to your needs.
Understanding Funeral Insurance: A Simple Guide for Canadians It’s not easy to think about, but planning ahead is the greatest gift you can give your loved ones. Get My Quote TL;DR: What is Funeral Insurance in Canada? Funeral insurance is a small life insurance policy designed to cover your end-of-life
What Life Insurance Doesn’t Cover in Canada Know the facts to keep yourself and your loved ones safe— at a competitive rate. Get My Quote TL;DR: What Life Insurance Doesn’t Cover Life insurance doesn’t cover everything — claims can be denied for suicide (within 2 years), undisclosed health conditions, missed
© 2025, Citadel Financial Wealth Group (CFWG). All rights reserved. Citadel Financial Wealth Group is a licensed insurance brokerage in Canada, proudly serving individuals, families, and businesses across the country.
CFWG offers life, health, and group insurance products through partnerships with many of Canada’s leading insurers. Insurance policies are subject to underwriting approval and may include limitations, exclusions, or waiting periods. Always refer to your official policy documents for complete terms and coverage details. In the event of any conflict, your policy contract will take precedence over information presented on this website or in any CFWG print or digital content.
CFWG is licensed and operates in the following provinces and territories:
Ontario (FSRA #36494M)
Alberta (License #5-11164367-2020 & 6-11164367-2020)
British Columbia (License #2022-0036740-R01)
Saskatchewan (License #09178)
Newfoundland and Labrador (License #23-78-CI090-1)
New Brunswick (License #210031147)
Nova Scotia,(License #2333071070000)
All pricing comparisons displayed on this website are based on current publicly available rates and may vary based on your health, age, coverage amount, and insurer. Timeframes for approval and policy issuance may vary depending on your application and underwriting requirements. In some cases, additional documents or medical examinations may be necessary.
Head Office:
150 King Street West, 2nd Floor, Suite 335
Toronto, Ontario M5H 1J9, Canada
