Your Registered Accounts Deserve More

Their TFSA(s) and RRSP(s) were going nowhere

Now they have a real plan that’s working

"Our RRSPs were not growing - we needed more than 5% a year."

The Background Story:

They were loyal to their bank, but results lagged. It was time to rethink how their registered accounts were invested.

Client Type:

Couple using RRSPs and TFSAs

Client Goal:

Generate better long‑term results inside registered accounts

The challenge:

Years of contributions produced underwhelming results and anxiety. They wanted momentum without daily market swings.

Client profile summary:

Net Worth Range:

$3M - $6M

Current Income:

$240,000+ per year

Primary Wealth Source:

Professional income & long-term savings

Primary Goal:

Improve RRSP & TFSA results with less volatility

Investment Style:

Simple, consistent, plan-driven

Investment Philosophy:

Eligible private investments with clear distribution schedules

Our Strategy:

After years of watching their RRSPs, LIRAs and Spousal RRSP grow at a crawl in traditional mutual funds and GICs, the clients knew their registered accounts could work harder. They wanted real income, real growth, and the confidence of owning assets they could actually understand; all while keeping the tax advantages of registered plans.

‍

We built a fully private, multi-sector portfolio within registered accounts, maximizing both yield and long-term growth while ensuring full eligibility for RRSP, TFSA, and similar structures.

The portfolio blends:

Income-generating real estate across residential, storage, and specialized property types for steady, inflation-hedged cash flow.
Private credit and mortgage strategies delivering attractive yields with strong asset backing.
Operating businesses in essential sectors like healthcare, infrastructure, and industrial services to provide consistent distributions and equity appreciation.
Alternative income sources such as royalties and niche asset funds for uncorrelated returns.
Energy and resource exposure positioned to benefit from long-term demand trends.

By carefully selecting assets eligible for registered accounts, the client now enjoys tax-sheltered growth, predictable distributions, and institutional-grade diversification, all without public market volatility.

Income + Growth Sources:

Income (monthly/quarterly):

Distributions from multi-residential, storage, and specialty real estate assets.
Regular interest payments from diversified mortgage and private credit programs.
Profits from healthcare, industrial, and infrastructure operating companies.
Royalties from intellectual property portfolios.
Cash flow from energy and resource holdings.

Growth (total return):

Appreciation of professionally managed real estate portfolios.
NAV growth and special distributions from operating businesses.
Long-term capital gains potential from niche alternative funds.
Strategic value growth in energy and resource investments.

Current Portfolio Outlook:

Consistent Income: Core income assets are delivering on schedule, with private credit yields still outpacing many public fixed-income products in 2025.
Tax-Advantaged Positioning: Every allocation is structured for RRSP, TFSA, or similar registered account eligibility, allowing tax-deferred or tax-free compounding.
Broad Diversification: Exposure spans real estate, credit, operating businesses, royalties, and energy; reducing dependency on any single sector.
Growth Potential: Operating companies and select alternative funds are positioned for NAV increases and potential special distributions over the next 12–24 months.

The Outcome:

They now have an intentional, higher‑performing plan - and enjoy opening their statements.

Performance Highlights:

Years as a Client:

18 Years

Number of Private Investments:

Distributions Paid OnTime:

94% of scheduled payments across the current portfolio, including legacy buy-and-hold investments from before 2017.
Core holdings have maintained consistent, on-schedule distributions, with legacy positions representing a small portion of the portfolio.

Forecasted Annual Return Range:

Target 7.7 - 9% (income + modest growth)

Why They Chose Rainmaker:

Eligibility guidance, clear reporting, and access to private issuers designed for registered plans.

Life after the shift:

Their savings compounds with purpose - no rollercoaster required.

Disclosure: The description of potential tax treatment, including return of capital, is provided for general information only and does not constitute tax advice. Actual tax outcomes depend on individual circumstances. Clients should consult their own qualified tax advisor regarding their specific situation.

Optimize Your RRSP or TFSA

Client Testimonials

Book Your 30-Minute Consultation

Let’s build a portfolio that works for you. Click below to schedule your personal strategy session.

Book a Private Investment Consultation

Their TFSA(s) and RRSP(s) were going nowhere

The Background Story:

Client Type: