Planning ideas for those who have maximized their RRSPs are many, but we begin this process as we do with all clients by coming to a mutual understanding of your goals and purposes. Is creating enduring wealth important? Does you retirement planning need additional resources? What are your community or philanthropic purposes? Estate planning purposes should be considered. With these areas considered, then you should look at solutions. For instance, perhaps you wish to protect your family in the event something unexpected happens, and also want to augment retirement savings. You likely ought to consider depositing funds into an exempt insurance product, where the growth on the investment account is not subject to annual accrual taxation. The difference in performance over time due to the tax deferred or saved is usually dramatic.