# Craven Financial Planning > Tailored Financial Planning and Insurance Solutions --- ## Pages - [Craven Financial Planning Career Opportunities](https://cravenfp.com/craven-financial-planning-career-opportunities/): Join our team as an Associate or Full Advisor. Explore rewarding career paths in financial planning with growth potential at Craven Financial Planning. - [Non-Registered Savings by Craven Financial](https://cravenfp.com/non-registered-savings-by-craven-financial/): Non-Registered Savings Plans by Craven Financial Planning Learn how Non-Registered Savings Plans in Canada offer a flexible solution for investors... - [RRIFs by Craven Financial](https://cravenfp.com/rrifs-by-craven-financial/): Optimize your RRIF withdrawals in Ontario. Craven Financial helps retirees create tax-smart income strategies from RRSPs and legacy plans. - [LIRAS & Pension Transfers by Craven Financial](https://cravenfp.com/liras-pension-transfers-by-craven-financial/): LIRAS & Pension Transfers by Craven Financial Discover how a Locked-In Retirement Account (LIRA) and pension transfers in Canada can... - [LIFs by Craven Financial](https://cravenfp.com/lifs-by-craven-financial/): LIFs by Craven Financial Planning Discover how a Life Income Fund (LIF) in Canada can help turn your locked-in pension... - [DPSPs by Craven Financial](https://cravenfp.com/dpsps-by-craven-financial/): DPSPs by Craven Financial Planning Discover how a Deferred Profit Sharing Plan (DPSP) in Canada allows employers to share business... - [FHSAs by Craven Financial](https://cravenfp.com/fhsas-by-craven-financial/): FHSAs by Craven Financial Planning Discover how a First Home Savings Account (FHSA) in Canada allows you to save for... - [RDSPs by Craven Financial](https://cravenfp.com/rdsps-by-craven-financial/): RDSPs by Craven Financial Planning Discover how a Registered Disability Savings Plan (RDSP) in Canada helps individuals with disabilities and... - [RESPs by Craven Financial](https://cravenfp.com/resps-by-craven-financial/): Serving Chatham and Southwestern Ontario, Craven Financial helps families make the most of RESP grants like CESG and CLB. Free consultations available. - [Mutual Funds by Craven Financial](https://cravenfp.com/low-fee-mutual-funds-by-craven-financial/): Mutual Funds by Craven Financial Planning Discover how mutual funds in Canada allow individuals to pool their money with other... - [ETFs by Craven Financial](https://cravenfp.com/etfs-by-craven-financial/): ETFs by Craven Financial Planning Discover how Exchange-Traded Funds (ETFs) in Canada offer investors a flexible and cost-effective way to... - [ETF Funds by Craven Financial](https://cravenfp.com/etf-funds-by-craven-financial/): Discover expert ETF Funds advice from Bill Craven, CFP. Tax-efficient, portfolios tailored for professionals, families, and business owners in Ontario. - [Segregated Funds by Craven Financial](https://cravenfp.com/segregated-funds-by-craven-financial/): Explore tax-smart, protected investing with segregated funds. Craven Financial offers estate-ready solutions for Ontario families, retirees & incorporated pros. - [Life Insurance by Craven Financial](https://cravenfp.com/life-insurance-by-craven-financial/): Life Insurance by Craven Financial Planning Life insurance ensures that your family is protected from financial hardship by covering expenses... - [Disability Insurance by Craven Financial](https://cravenfp.com/disability-insurance-by-craven-financial/): Get expert disability insurance advice from Craven Financial. Tailored coverage for professionals and business owners in Toronto, London, Windsor & across Southwestern Ontario. Book a call today. - [Critical Illness Insurance by Craven Financial](https://cravenfp.com/critical-illness-insurance-by-craven-financial/): Protect your future with critical illness insurance in Southern Ontario. Get expert advice from Bill Craven, CFP. Tax-free payouts. Trusted for 30+ years. - [Long Term Care Insurance by Craven Financial](https://cravenfp.com/long-term-care-insurance-by-craven-financial/): Long Term Care Insurance by Craven Financial Planning Long-term care insurance ensures that you are financially protected if you need... - [Terms of Use](https://cravenfp.com/terms-of-use/): Terms of Use for Craven Financial Planning Corp. IntroductionBy accessing or using the Craven Financial Planning Corp. website (the “Website”),... - [Spousal RRSP by Craven Financial](https://cravenfp.com/spousal-rrsp-by-craven-financial/): Spousal RRSP by Craven Financial Discover how a Spousal Registered Retirement Savings Plan (RRSP) in Canada can help you build... - [RRSP by Craven Financial](https://cravenfp.com/rrsp-by-craven-financial/): RRSP by Craven Financial Discover how a Registered Retirement Savings Plan (RRSP) in Canada can help you build wealth for... - [TFSA by Craven Financial](https://cravenfp.com/tfsa-by-craven-financial/): Discover how to grow your wealth tax-free with a personalized TFSA strategy from Craven Financial Planning. Serving Ontario professionals and business owners since 1995. - [Products](https://cravenfp.com/products/): Craven Financial Products Discover how our tailored financial planning and insurance services can transform your financial future and help you... - [Family Financial Services](https://cravenfp.com/family-financial-services/): Family financial services - Plan your family’s financial future with trusted guidance. Craven Financial offers retirement, insurance, estate, and multigenerational planning in Chatham, Ontario. - [Seniors Financial Planning](https://cravenfp.com/seniors-financial-planning/): Expert financial planning for Ontario seniors, retirees, and caregivers. RRIFs, insurance, estate advice for seniors financial planning - [Investment Management](https://cravenfp.com/investment-management/): Take control of your financial future with trusted investment management services in Chatham. Bill Craven, CFP, BA, EPC, helps individuals, families, and business owners build wealth through tailored strategies that align with your goals. Book a consultation today. - [Retirement Planning](https://cravenfp.com/retirement-planning/): Secure your future with personalized retirement planning from Craven Financial in Chatham, Ontario. We help you build sustainable income, reduce taxes, and protect your legacy — all with strategies tailored to your goals. Book a consultation today and plan with confidence. - [Insurance](https://cravenfp.com/insurance/): Protect your future with tailored insurance solutions from Bill Craven. Life, disability, critical illness, and long-term care plans built around your needs in Ontario. - [Financial Planning](https://cravenfp.com/financial-planning/): Since 1995, Craven Financial Planning has helped Ontario professionals with retirement, tax efficiency, and estate planning. Book your personalized consultation today. - [Sample Page](https://cravenfp.com/sample-page/): This is an example page. It’s different from a blog post because it will stay in one place and will... - [Privacy Policy](https://cravenfp.com/privacy-policy/): Privacy Policy for Craven Financial Planning Corp. At Craven Financial Planning Corp. , we are committed to protecting your privacy... - [Privacy policy](https://cravenfp.com/privacy-policy-2/): Privacy policy Last modified: February 15, 2024 Information Log data Cookies Security External links Changes Contact us 1. Information While... - [Contact](https://cravenfp.com/contact/): Get in touch with Craven Financial Planning in Chatham, Ontario. Book a consultation with Bill Craven, CFP, and get trusted advice on retirement, investments, insurance, and estate planning. Flexible appointment times available. - [About](https://cravenfp.com/about/): With over 34 years of experience, Bill Craven is a trusted financial planner in Chatham, Ontario, offering personalized investment, insurance, and retirement planning. Discover how Craven Financial Planning helps families like yours build financial peace of mind. - [Blog](https://cravenfp.com/blog/): Explore expert financial tips, retirement strategies, and investment insights from Bill Craven, a trusted financial planner in Chatham, Ontario. Get clear, actionable advice to secure your financial future today. - [Craven Financial Planning](https://cravenfp.com/): Financial Planning & Insurance Tailored Financial & Insurance Solutions Unlock your financial potential with Craven Financial’s tailored planning and insurance... --- ## Posts - [ETF Funds vs ETFs in Canada](https://cravenfp.com/etf-funds-vs-etfs-in-canada/): Confused about ETF funds vs. ETFs in Canada? Discover the key differences, benefits, and which investment option may be right for your financial goals. - [Disability Insurance for Corporation Owners in Ontario](https://cravenfp.com/disability-insurance-for-corporation-owners-in-ontario/): Discover how Ontario corporation owners can protect income and equity with smart disability insurance strategies. Download our free checklist to avoid costly coverage gaps and secure your business future. - [Investment Fees Tax-Deductible](https://cravenfp.com/investment-fees-tax-deductible/): Are investment fees tax deductible in Canada? Discover what the CRA allows under Line 22100, which fees qualify, and how to optimize your tax strategy for non-registered accounts. - [Moving RRSPs and RRIFs to TFSAs](https://cravenfp.com/moving-rrsps-and-rrifs-to-tfsas/): Maximize retirement income by moving RRSPs & RRIFs to TFSAs. Discover expert strategies to reduce taxes and grow savings in Chatham & Southwestern Ontario. - [Incorporating RRSPs into Your Financial Plan](https://cravenfp.com/incorporating-rrsps-into-your-financial-plan/): Learn how to use RRSPs to reduce taxes, grow wealth, and build a smart retirement plan with expert advice from Bill Craven in Chatham, Ontario. - [Maximize Your Retirement with TFSAs: Bill Craven's Expert Guide for Ontario Professionals](https://cravenfp.com/maximize-your-retirement-with-tfsa/): Learn how to use your TFSA to grow retirement savings tax-free. Discover expert strategies to maximize your retirement income in Ontario. - [Life insurance for the professional corporation](https://cravenfp.com/life-insurance-for-the-professional-corporation/): Discover how life insurance strategies tailored to professional corporations can safeguard your business, optimize tax efficiency, and build long-term wealth. Trusted guidance from Craven Financial Planning in Chatham, Ontario. - [Choosing the right insurance solution](https://cravenfp.com/choosing-the-right-insurance-solutions/): Discover how to choose the right insurance strategies to protect your family, business, and legacy. Craven Financial offers expert guidance in Ontario. --- ## ElementsKit items - [dynamic-content-widget-popup-d453e2f](https://cravenfp.com/elementskit-content/dynamic-content-widget-popup-d453e2f/): Name Email address Message --- # # Detailed Content ## Pages > Join our team as an Associate or Full Advisor. Explore rewarding career paths in financial planning with growth potential at Craven Financial Planning. - Published: 2025-01-14 - Modified: 2025-07-19 - URL: https://cravenfp.com/craven-financial-planning-career-opportunities/ --- - Published: 2024-11-04 - Modified: 2025-01-26 - URL: https://cravenfp.com/non-registered-savings-by-craven-financial/ --- > Optimize your RRIF withdrawals in Ontario. Craven Financial helps retirees create tax-smart income strategies from RRSPs and legacy plans. - Published: 2024-10-18 - Modified: 2025-07-26 - URL: https://cravenfp.com/rrifs-by-craven-financial/ --- - Published: 2024-10-18 - Modified: 2024-11-04 - URL: https://cravenfp.com/liras-pension-transfers-by-craven-financial/ --- - Published: 2024-10-18 - Modified: 2024-11-04 - URL: https://cravenfp.com/lifs-by-craven-financial/ --- - Published: 2024-10-18 - Modified: 2025-07-18 - URL: https://cravenfp.com/dpsps-by-craven-financial/ --- - Published: 2024-10-18 - Modified: 2025-09-20 - URL: https://cravenfp.com/fhsas-by-craven-financial/ --- - Published: 2024-10-18 - Modified: 2024-11-04 - URL: https://cravenfp.com/rdsps-by-craven-financial/ --- > Serving Chatham and Southwestern Ontario, Craven Financial helps families make the most of RESP grants like CESG and CLB. Free consultations available. - Published: 2024-10-18 - Modified: 2025-07-26 - URL: https://cravenfp.com/resps-by-craven-financial/ --- - Published: 2024-10-18 - Modified: 2025-07-19 - URL: https://cravenfp.com/low-fee-mutual-funds-by-craven-financial/ --- - Published: 2024-10-18 - Modified: 2025-07-26 - URL: https://cravenfp.com/etfs-by-craven-financial/ --- > Discover expert ETF Funds advice from Bill Craven, CFP. Tax-efficient, portfolios tailored for professionals, families, and business owners in Ontario. - Published: 2024-10-18 - Modified: 2025-09-02 - URL: https://cravenfp.com/etf-funds-by-craven-financial/ --- > Explore tax-smart, protected investing with segregated funds. Craven Financial offers estate-ready solutions for Ontario families, retirees & incorporated pros. - Published: 2024-10-18 - Modified: 2025-07-18 - URL: https://cravenfp.com/segregated-funds-by-craven-financial/ --- - Published: 2024-10-18 - Modified: 2025-07-19 - URL: https://cravenfp.com/life-insurance-by-craven-financial/ --- > Get expert disability insurance advice from Craven Financial. Tailored coverage for professionals and business owners in Toronto, London, Windsor & across Southwestern Ontario. Book a call today. - Published: 2024-10-18 - Modified: 2025-07-23 - URL: https://cravenfp.com/disability-insurance-by-craven-financial/ --- > Protect your future with critical illness insurance in Southern Ontario. Get expert advice from Bill Craven, CFP. Tax-free payouts. Trusted for 30+ years. - Published: 2024-10-18 - Modified: 2025-07-20 - URL: https://cravenfp.com/critical-illness-insurance-by-craven-financial/ --- - Published: 2024-10-18 - Modified: 2025-05-09 - URL: https://cravenfp.com/long-term-care-insurance-by-craven-financial/ --- - Published: 2024-10-18 - Modified: 2024-11-04 - URL: https://cravenfp.com/terms-of-use/ --- - Published: 2024-10-18 - Modified: 2025-09-21 - URL: https://cravenfp.com/spousal-rrsp-by-craven-financial/ --- - Published: 2024-10-18 - Modified: 2025-04-27 - URL: https://cravenfp.com/rrsp-by-craven-financial/ --- > Discover how to grow your wealth tax-free with a personalized TFSA strategy from Craven Financial Planning. Serving Ontario professionals and business owners since 1995. - Published: 2024-10-17 - Modified: 2025-04-27 - URL: https://cravenfp.com/tfsa-by-craven-financial/ --- - Published: 2024-10-17 - Modified: 2024-11-04 - URL: https://cravenfp.com/products/ --- > Family financial services - Plan your family’s financial future with trusted guidance. Craven Financial offers retirement, insurance, estate, and multigenerational planning in Chatham, Ontario. - Published: 2024-08-29 - Modified: 2025-04-06 - URL: https://cravenfp.com/family-financial-services/ --- > Expert financial planning for Ontario seniors, retirees, and caregivers. RRIFs, insurance, estate advice for seniors financial planning - Published: 2024-08-24 - Modified: 2025-07-18 - URL: https://cravenfp.com/seniors-financial-planning/ --- > Take control of your financial future with trusted investment management services in Chatham. Bill Craven, CFP, BA, EPC, helps individuals, families, and business owners build wealth through tailored strategies that align with your goals. Book a consultation today. - Published: 2024-05-24 - Modified: 2025-04-06 - URL: https://cravenfp.com/investment-management/ --- > Secure your future with personalized retirement planning from Craven Financial in Chatham, Ontario. We help you build sustainable income, reduce taxes, and protect your legacy — all with strategies tailored to your goals. Book a consultation today and plan with confidence. - Published: 2024-05-24 - Modified: 2025-04-06 - URL: https://cravenfp.com/retirement-planning/ --- > Protect your future with tailored insurance solutions from Bill Craven. Life, disability, critical illness, and long-term care plans built around your needs in Ontario. - Published: 2024-05-23 - Modified: 2025-10-23 - URL: https://cravenfp.com/insurance/ --- > Since 1995, Craven Financial Planning has helped Ontario professionals with retirement, tax efficiency, and estate planning. Book your personalized consultation today. - Published: 2024-05-23 - Modified: 2025-07-20 - URL: https://cravenfp.com/financial-planning/ --- - Published: 2024-04-25 - Modified: 2024-04-25 - URL: https://cravenfp.com/sample-page/ --- - Published: 2024-04-25 - Modified: 2024-11-04 - URL: https://cravenfp.com/privacy-policy/ --- - Published: 2024-02-12 - Modified: 2024-02-12 - URL: https://cravenfp.com/privacy-policy-2/ --- > Get in touch with Craven Financial Planning in Chatham, Ontario. Book a consultation with Bill Craven, CFP, and get trusted advice on retirement, investments, insurance, and estate planning. Flexible appointment times available. - Published: 2024-02-12 - Modified: 2025-10-19 - URL: https://cravenfp.com/contact/ --- > With over 34 years of experience, Bill Craven is a trusted financial planner in Chatham, Ontario, offering personalized investment, insurance, and retirement planning. Discover how Craven Financial Planning helps families like yours build financial peace of mind. - Published: 2024-02-12 - Modified: 2025-09-02 - URL: https://cravenfp.com/about/ --- > Explore expert financial tips, retirement strategies, and investment insights from Bill Craven, a trusted financial planner in Chatham, Ontario. Get clear, actionable advice to secure your financial future today. - Published: 2024-01-23 - Modified: 2025-09-20 - URL: https://cravenfp.com/blog/ --- - Published: 2024-01-23 - Modified: 2025-10-19 - URL: https://cravenfp.com/ --- --- ## Posts > Confused about ETF funds vs. ETFs in Canada? Discover the key differences, benefits, and which investment option may be right for your financial goals. - Published: 2025-07-26 - Modified: 2025-07-26 - URL: https://cravenfp.com/etf-funds-vs-etfs-in-canada/ - Categories: ETF Funds, ETFs, Investment --- > Discover how Ontario corporation owners can protect income and equity with smart disability insurance strategies. Download our free checklist to avoid costly coverage gaps and secure your business future. - Published: 2025-05-09 - Modified: 2025-05-30 - URL: https://cravenfp.com/disability-insurance-for-corporation-owners-in-ontario/ - Categories: Insurance --- > Are investment fees tax deductible in Canada? Discover what the CRA allows under Line 22100, which fees qualify, and how to optimize your tax strategy for non-registered accounts. - Published: 2025-04-09 - Modified: 2025-05-09 - URL: https://cravenfp.com/investment-fees-tax-deductible/ - Categories: Taxes, Business, Insights, Investment - Tags: Canadian tax deductions, carrying charges CRA, CRA Line 22100, deducting investment expenses, financial advisor fees tax deductible, financial planning Canada, investment fees tax deductible canada, investment income tax strategies, investment management fees Canada, non-registered investment accounts, registered investment accounts, RRSP fees deductibility, tax deductible investment fees, tax planning for investors, TFSA fees tax rules --- > Maximize retirement income by moving RRSPs & RRIFs to TFSAs. Discover expert strategies to reduce taxes and grow savings in Chatham & Southwestern Ontario. - Published: 2025-03-06 - Modified: 2025-05-30 - URL: https://cravenfp.com/moving-rrsps-and-rrifs-to-tfsas/ - Categories: RRSP, Retirement, RRIF, TFSA, Uncategorized - Tags: best TFSA options 2025, Bill Craven CFP, Chatham retirement planner, Craven Financial Planning, financial advisor Chatham, maximize TFSA savings, move RRSP to TFSA, retirement income planning, retirement tax strategy Ontario, retirement tax tips Canada, RRIF strategy Chatham, RRIF to TFSA, RRIF withdrawal tax, RRSP retirement strategy, RRSP strategy Ontario, RRSP to TFSA, RRSP transfer advice, tax efficiency for seniors, tax-free retirement income, TFSA conversion, TFSA investment strategy, TFSA retirement planning --- > Learn how to use RRSPs to reduce taxes, grow wealth, and build a smart retirement plan with expert advice from Bill Craven in Chatham, Ontario. - Published: 2025-02-04 - Modified: 2025-04-04 - URL: https://cravenfp.com/incorporating-rrsps-into-your-financial-plan/ - Categories: Investment, RRSP, Taxes, TFSA - Tags: Bill Craven CFP, Chatham financial advisor, Craven Financial Planning, financial planning for Canadians, financial planning Ontario, how to use RRSPs, personal financial strategy, retirement savings Canada, RRSP retirement income, RRSP strategy, RRSP tax savings, RRSP vs TFSA, RRSP withdrawal planning, tax-efficient investing, wealth management Ontario --- > Learn how to use your TFSA to grow retirement savings tax-free. Discover expert strategies to maximize your retirement income in Ontario. - Published: 2025-01-12 - Modified: 2025-04-04 - URL: https://cravenfp.com/maximize-your-retirement-with-tfsa/ - Categories: Investment, Retirement, TFSA - Tags: Bill Craven CFP, Craven Financial, financial advisor Ontario, financial goals TFSA, financial planning Chatham, grow your TFSA, investment planning Ontario, maximize TFSA, personal finance Canada, retirement income Ontario, retirement savings strategies, retirement tips Ontario, tax-free retirement savings, tax-free savings account, TFSA retirement planning, TFSA strategies Canada, TFSA vs RRSP, wealth management Chatham --- > Discover how life insurance strategies tailored to professional corporations can safeguard your business, optimize tax efficiency, and build long-term wealth. Trusted guidance from Craven Financial Planning in Chatham, Ontario. - Published: 2024-08-24 - Modified: 2025-07-19 - URL: https://cravenfp.com/life-insurance-for-the-professional-corporation/ - Categories: Insurance, Business - Tags: corporate insurance, professional insurance --- > Discover how to choose the right insurance strategies to protect your family, business, and legacy. Craven Financial offers expert guidance in Ontario. - Published: 2024-08-21 - Modified: 2025-07-19 - URL: https://cravenfp.com/choosing-the-right-insurance-solutions/ - Categories: Insurance - Tags: best insurance for small business, Bill Craven CFP, corporate life insurance Ontario, Craven Financial Planning, critical illness insurance, disability insurance advice, estate protection insurance, holdco life insurance, income protection Canada, insurance advisor Chatham, insurance for professionals, insurance planning Canada, insurance solutions Ontario, Investia Financial Services Inc., life insurance strategies, long term care insurance Ontario, personalized insurance plans, strategic insurance planning, tailored insurance coverage - Formats: Video --- --- ## ElementsKit items - Published: 2024-02-22 - Modified: 2024-02-22 - URL: https://cravenfp.com/elementskit-content/dynamic-content-widget-popup-d453e2f/ --- ---