RRSP’s & RRIF’s

A gift from a registered plan (RRSPs and RRIFs) is a simple way to make a significant donation to Christian Horizons while arranging an important tax benefit for your estate.

RRSPs/RRIFs become fully taxable as earned income in the year of death, usually at the highest marginal tax rate, unless any remaining funds in a RRSP/RRIF account can be rolled over to a surviving spouse or a dependent child. You can name Christian Horizons as a Contingent or Secondary Beneficiary of the plan, allowing you and your spouse to have use of your retirement savings while you are alive, then gifting the balance upon your death.

RRSP/RRIF gifts are revocable and can be changed if your financial circumstances change. These gifts also avoid probate and are less susceptible to being contested than a charitable bequest.

You can also choose to make a gift directly from your registered portfolio.