Our Services

Our Services

One size doesn’t fit all, but we can find the perfect one for you

to help create Riba-free portfolios with recognized institutions in North America having proven track record of credibility, success and performance.

 

At SaveHalal, we help clients to create wealth on their situation using riba-free solutions in North America. We believe disciplined saving and investment strategy can transform generations and accordingly our mission is to educate masses with available shariah compliant opportunities in the Canadian and US system. 

We help individual families, entrepreneurs and that corporate employees for their new investment strategies as well as updating existing plans with riba-free halal opportunities with top-tier financial institutions.

With a free consultation, we can help you build secure financial plans and wealth creation strategy with shariah-compliant solutions. 

Please click and explore our most popular (but not limited to) solutions for Canadian market:

Group Tax-free savings account (GTFSA)

Incentivize with group plans at reduced fees and high-growth halal funds...

     FEATURES
  • Lower investment fees as compared to individual TFSA
  • No tax deductions or contributions, no need for tax deferral, and no taxation on withdrawals that are not locked-in and can be withdrawn any time.
  • Employers may or may not contribute
     SaveHalal OPPORTUNITY
  • Create shariah compliant investment portfolios at lower fees compared to individual TFSAs.

     FEATURES

  • Lower investment fees as compared to individual TFSA
  • No tax deductions or contributions, no need for tax deferral, and no taxation on withdrawals that are not locked-in and can be withdrawn any time.
  • Employers may or may not contribute
  • Additional incentive for happy and motivated team

     SaveHalal OPPORTUNITY

  • Create shariah compliant investment portfolios at lower fees compared to individual TFSAs with maximum contribution to growth only.

Deferred profit sharing plan (DPSP)

Restrict your brain-drain and boost motivation by smart profit sharing with your employees…

     FEATURES
  • Share business profits with employees
  • Contribution: Lesser of 18% of annual compensation or 50% of DCPP limit.
  • Participants can receive the proceeds as lumpsum, or transfer to RRSP, RRIF, RPP or DPSP
     SaveHalal OPPORTUNITY
  • Work with the organizations to develop an employee retention strategy and offer shariah compliant portfolio to employee investment plans.

     FEATURES

  • Share business profits with employees
  • Contribution: Lesser of 18% of annual compensation or 50% of DCPP limit.
  • Participants can receive the proceeds as lumpsum, or transfer to RRSP, RRIF, RPP or DPSP
  • Additional incentive for employee motivation and retention strategy.

     SaveHalal OPPORTUNITY

  • Work with the organizations to develop an employee retention strategy and offer shariah compliant portfolio to employee investment plans

Group registered retirement savings plan (GRRSP)

Incentivize with group plans at reduced fees and high-growth halal funds...

     FEATURES
  • Enables members to pay lower fees, compared to individual RRSP.
  • Contributions can be made both by employee and employer
  • Can be transferred to individual retirement plans or cashed out
     SaveHalal OPPORTUNITY
  • Create shariah compliant investment strategy and maximize annual tax benefit

     FEATURES

  • Enables members to pay lower fees, compared to individual RRSP.
  • Contributions can be made both by employee and employer.
  • Can be transferred to individual retirement plans or cashed out.
  • Additional incentive for happy and motivated team.

     SaveHalal OPPORTUNITY

  • Create shariah compliant investment strategy and maximize annual tax benefit with  maximum growth.

Pooled registered pension plan (PRPP)

Are you a small business looking for a pooled plans that offer high-growth halal funds at lower fees?

     FEATURES
  • The newest form of pension specially serving For employers and people who are self-employed.
  • Plans are provincially registered by administrators (not employers).
  • Contributions can be made from individual RRSP, RRIF, and DPSP
  • Pension based on investment performance
     SaveHalal OPPORTUNITY
  • Opportunity to create a shariah compliant retirement investment plan for individuals, self-employed entrepreneurs, and organizations.
  • Can have multiple organizations, or self-employed contractors benefiting from a single plan.

     FEATURES

  • The newest form of pension specially serving employers and self-employed contractors.
  • Plans are provincially registered by administrators (not employers).
  • Contributions can be made from individual RRSP, RRIF, and DPSP
  • Pension based on investment performance

     SaveHalal OPPORTUNITY

  • Opportunity to create a secure growth driven shariah compliant retirement investment plan for individuals, self-employed entrepreneurs, and organizations.
  • Can have multiple organizations, or self-employed contractors benefiting from a single plan with reduced management fees.

Defined contribution pension plan (DCPP)

Would you like to incentivize your workforce by offering them high-growth halal investment alternatives?

     FEATURES
  • Not predefined pension: Entirely based on contributions and investment income
  • Contributions may be made by the employee and the employer
     SaveHalal OPPORTUNITY
  • Helping individuals manage their portfolio mix of Shariah Complaint instruments for income and long-term growth.
  • Help individuals shariah complaint funds on the mandatory transfer to LIF, PRRIF, or RLIF at the time of separation from the employer

     FEATURES

  • Not predefined pension: Entirely based on contributions and investment income.
  • Contributions may be made by the employee and the employer.
  • Additional incentive for a happy and motivated workforce.

     SaveHalal OPPORTUNITY

  • Helping individuals manage their portfolio mix of Shariah Complaint instruments for income and strong long-term growth.
  • Help individuals shariah complaint funds on the mandatory transfer to LIF, PRRIF, or RLIF at the time of separation from the employer

Defined benefit pension plan (DBPP)

Are you an employer concerned with iteration rate? Are you an employee looking to transfer existing plan to halal options.. ?

     FEATURES
  • Only plan with defined payments at the time of retirement.
  • Only employer contribution is mandatory
  • Employer designs the investment portfolio for its employees.
  • Can be set up on an individual basis for business owners and directors – “individual pension plan” (IPP)
     SaveHalal OPPORTUNITY
  • Helping employers, manage a portfolio mix of Shariah Complaint instruments in distributed funds for income and long-term growth.
  • Opportunity for individuals to transfer their plan to the shariah complaint funds of their choice by using LRSP, LIRA, PRRIF, RLIF or LIF at the time of separation from the employer.

     FEATURES

  • Great motivational and retention product for professional teams.
  • Only plan with defined payments at the time of retirement.
  • Only employer contribution is mandatory
  • Employer designs the investment portfolio for its employees.
  • Can be set up on an individual basis for business owners and directors

     SaveHalal OPPORTUNITY

  • Helping employers, manage a portfolio mix of Shariah Complaint instruments in distributed funds for income and strong long-term growth.
  • Opportunity for individuals to transfer their plan to the shariah complaint funds of their choice by using LRSP, LIRA, PRRIF, RLIF or LIF at the time of separation from the employer.

Personal Will, POA and MD

Do you know that absence of Last Will may take months if not years for estate distribution ... ?

     FEATURES
  • Individual’s final settlement with Net worth statement from which taxation, liabilities, probates fees, and beneficiaries are paid in order.
  • Diversification of assets essential to minimize financial risk, reduce tax implications and maximize benefits for your loved ones.
     SaveHalal OPPORTUNITY
  • Will outlines distribution of Estate, nomination of Executor and outlines guardianship rights for minor children.
  • Enduring Power of Attorney (EPOA) empowers executor to manage financial affairs in the event of a client’s mentally incapacity or absence from the country.
  • Medical Directive (MD) authorizes chosen executor to remove life support (ventilator etc.)

     FEATURES

  • Last Will outlines distribution of Estate, nomination of Executor and outlines guardianship rights for minor children.
  • Enduring Power of Attorney (EPOA) empowers executor to manage financial affairs in the event of a client’s mentally incapacity or absence from the country.
  • Medical Directive (MD) authorizes chosen executor to remove life support (ventilator etc.)

     SaveHalal OPPORTUNITY

  • At SaveHalal we are licensed to work with you and understand your preference and prepare all necessary documents that may offer the best offerings to you and your loved ones.
  • We can also guide you with critical elements for shariah complaint options for your beneficiaries with NO or Minimal tax liabilities.

Segregated Funds

How would you feel if your hard earned savings grow with safety?

     FEATURES
  • Like Mutual Funds or Exchange-Traded Funds (ETFs), offers a wide range of investment options
  • Possible creditor protection
  • Right to designate a beneficiary and bypass probate
  • Tax benefit when capital losses are incurred
  • Up to 75% Investment protection provided by Government backed Assures
     SaveHalal OPPORTUNITY
  • Manage self-directed investment account in the choice of shariah complaint accounts
  • Using segregated funds as a vehicle for possible creditor protection & beneficiary nomination.

     FEATURES

  • Like Mutual Funds or ETFs, offers a wide range of investment options
  • Possible creditor protection and tax benefit when capital loss is incurred 
  • Right to designate a beneficiary and bypass probate
  • Up to 75% Investment protection provided by Government backed Assures

     SaveHalal OPPORTUNITY

  • Exceptional vehicle of all investments with registered funds and create wealth for generations
  • Manage self-directed investment account in the choice of shariah complaint accounts
  • Using segregated funds as a vehicle for possible creditor protection & beneficiary nomination.

Estate Planning

Are you helping or burdening your loved ones with an unplanned Estate?

     FEATURES
  • Individual’s final settlement with Net worth statement from which taxation, liabilities, probates fees, and beneficiaries are paid in order.
  • Diversification of assets essential to minimize financial risk, reduce tax implications and maximize benefits for your loved ones.
     SaveHalal OPPORTUNITY
  • The combination of the registered and non-registered savings and investments to ensure no liabilities are left back for your loved ones
  • At SaveHalal we can work with you to understand your specific needs to plan your estate, while leveraging on the shariah complaint financial instruments available in North America.

     FEATURES

  • Individual’s final settlement with Net worth statement from which taxation, liabilities, probates fees, and beneficiaries are paid in order.
  • Diversification of assets essential to minimize financial risk, reduce tax implications and maximize benefits for your loved ones.

     SaveHalal OPPORTUNITY

  • The combination of the registered and non-registered savings and investments to ensure no liabilities are left back for your loved ones
  • At SaveHalal we can work with you to understand your specific needs to plan your estate, while leveraging on the shariah complaint financial instruments available in North America.

Tax-free savings account (TFSA)

Do you know that you can create massive wealth for generations with TFSA only...?

     FEATURES
  • Investment capital gains and withdrawals are not taxable
  • Contributions are not tax-deductible
  • Capped maximum annual contribution
  • Great tool to optimize tax strategy with other registered withdrawals
  • Income & withdrawal do not affect eligibility for federal income-tested benefits, such as Old Age Security (OAS) and Guaranteed Income Supplement (GIS)
     SaveHalal OPPORTUNITY
  • Manage self-directed investment account in the choice of shariah complaint accounts
  • Using segregated funds as a vehicle for possible creditor protection & beneficiary nomination.

     FEATURES

  • Investment capital gains and withdrawals are not taxable
  • Capped maximum annual contribution
  • Great tool to optimize tax strategy with other registered withdrawals
  • Income & withdrawal do not affect eligibility for federal income-tested benefits, such as Old Age Security (OAS) and Guaranteed Income Supplement (GIS)

     SaveHalal OPPORTUNITY

  • Opportunity to build unlimited wealth for generations
  • Manage self-directed investment account in the choice of shariah complaint accounts
  • Using segregated funds as a vehicle for possible creditor protection & beneficiary nomination.

Registered disability savings plan (RDSP)

Are you envisioning an independent life for your loved ones too ... ?

     FEATURES
  • For long-term financial needs of a child or person with a severe and prolonged impairment in physical or mental functions.
  • Possible matching government Grant of up to 300%
     SaveHalal OPPORTUNITY
  • Shariah compliant options for both private contributions and government grants

     FEATURES

  • For long-term financial needs of a child or person with a severe and prolonged impairment in physical or mental functions.
  • Possible matching government Grant of up to 300%

     SaveHalal OPPORTUNITY

  • Shariah compliant options for both private contributions and government grants.

Registered retirement income fund (RRIF)

Have you planned for a steady retirement income or would be depending on others? …

     FEATURES
  • Post-retirement income stream
  • Continues tax deferral on the RRSP
  • No limit on maximum withdrawal, can be used for emergencies
  • Can be transferred to a non-registered investment account or TFSA
     SaveHalal OPPORTUNITY
  • Managing self-directed investment account in the choice of shariah complaint accounts
  • Tax optimization tool
  • Manage beneficiaries by choosing segregated fund in addition to spouse.

     FEATURES

  • Post-retirement income stream
  • Continues tax deferral on the RRSP
  • No limit on maximum withdrawal, can be used for emergencies
  • Can be transferred to a non-registered investment account or TFSA

     SaveHalal OPPORTUNITY

  • Managing self-directed investment account in the choice of shariah complaint accounts
  • Tax optimization tool
  • Manage beneficiaries by choosing segregated fund in addition to spouse.

Registered retirement savings plan (RRSP)

If we live long enough we all have to retire one day ... Do you have a plan?

     FEATURES
  • Voluntary savings program
  • Tax deductible contribution
  • Capped maximum annual contribution
  • Can be wound-up at any time
     SaveHalal OPPORTUNITY
  • Manage self-directed investment account in the choice of shariah complaint accounts
  • Tax optimization tool
  • Manage beneficiaries by choosing segregated fund
  •  

     FEATURES

  • Voluntary savings program
  • Tax deductible contribution
  • Capped maximum annual contribution
  • Can be wound-up at any time

     SaveHalal OPPORTUNITY

  • Manage self-directed investment account in the choice of shariah complaint accounts
  • Tax optimization tool
  • Manage beneficiaries by choosing segregated fund

Registered Education Savings Plan (RESP)

Are you sure your child will not start her career with an interest-based education loan... ?

     FEATURES
  •  For Child / Grandchild education
  • Government contributes up to 20%; $7,200 lifetime
  • Tax deferred growth
     SaveHalal OPPORTUNITY
  • Transform generations with access to top universities using shariah complaint funds
  • Benefit from the government’s contribution and other CLB grants
  • Combine plan with family members to for joint benefits

     FEATURES

  •  For Child / Grandchild education

  • Government contributes up to 20%; $7,200 lifetime per child
  • Benefit from the government’s contribution and other CLB grants
  • Tax deferred growth

     SaveHalal OPPORTUNITY

  • Transform generations with access to top universities using shariah complaint funds
  • Apply and secure for all possible government grants on behalf of client 
  • Combine plan with family members to for joint benefits