2023 RRSP-TFSA campaign | Information and important dates

The 2023 RRSP and TFSA campaign is in full swing! Enjoy a distinctive remote sales experience with EVO and our various assistance tools.

Important

The RRSP and TFSA campaign is the busiest time of the year. Here are a few things to consider:

We do everything we can to respect RRSP contribution deadlines. Exceptionally, it may take longer than usual to process other requests.

To speed up request processing and avoid duplicates, DO NOT send your request by email or fax in addition to sending the original documents.

Deadlines – RRSP contributions and RRSP loan for the 2022 tax year

Dates (No exception possible)	Subjects	Details
RRSP loan only
Friday, February 10, 2023 Before 4 p.m. (Eastern time) — Quebec and Toronto Before 1 p.m. (Pacific time) — Vancouver	End of the 0.5% interest rate discount	To take advantage of the rate discount: Transactions in EVO must be confirmed by the advisor once the client has signed electronically, no later than the date and time indicated. Paper transactions must be received by the date and time indicated.
	Deadline to ensure a response before March 1	Whether accepted or not, we cannot guarantee a response to your RRSP loan application before March 1 if it is received after February 10.
RRSP contributions
Wednesday, March 1, 2023, or before	EVO Savings	A one-time contribution (one-time PAD) must be confirmed by the advisor once the client has signed electronically: Before midnight (Eastern time) — Quebec and Toronto Before 9 p.m. (Pacific time) — Vancouver
Wednesday, March 1, 2023, or before	Paper transactions	List of required transactions : Signature of documents Receipt of original cheques by the advisor Identification on the form of withdrawal date for one-time PAD - “Immediate withdrawal” can also be checked on the document Receipt of electronic transfers at iA for contracts already opened - *Attention!* Processing times for electronic transfers can vary from a few days, depending on the financial institution. Please take this into consideration to make sure payment is received by March 1. Use EVO for quick and timely transactions!
Monday, March 6, 2023	Receipt of documents at iA	Receipt of documents signed on March 1 or before, at Head Office or at one of our service centres: Before 4 p.m. (Eastern time) — Quebec and Toronto Before 1 p.m. (Pacific time) — Vancouver

Note: You may follow-up on your transaction requests through the Business Tracker tab available on your Advisor Space.

Reminder – RRSP loan

RRSP loans are now available 100% online with EVO. Take advantage to get your file analyzed sooner by eliminating postal delays!

Contributions with RRSP loan – what you need to know:

Processing time is five to ten business days.
Units will be purchased within 5 business days of loan approval.
All loan applications must be duly completed, including all documents required for analysis of the file and repayment of the loan.

Reminder – RRSP-HBP loan

This strategy will help your clients optimize their RRSP contribution and enjoy the benefits of the HBP. Consult the product guide to find out about the eligibility criteria.

For more information about the terms regarding RRSP or TFSA contributions, go to the Canada Revenue Agency (CRA) website.

iA CONNECTED

Your ongoing source of information.