BUILD RETIREMENT WEALTH AS A FAMILY.

One household. Two sets of room. Zero riba.

Yes — Tawakkul REIT units can be held in a self-directed Spousal RRSP.

When one spouse earns more, a Spousal RRSP lets the higher earner take the deduction today while retirement income lands in the lower earner’s hands later — often at a fraction of the tax.

The Full Household Strategy

His RRSP. Her RRSP. Two TFSAs. Two FHSAs. A Spousal RRSP to balance it. A family can shelter well over $200,000 in registered room — all of it in halal real estate.

No other halal platform in Canada offers a dedicated Spousal RRSP pathway.

How It Works

Open a self-directed Spousal RRSP with Olympia Trust Company in the annuitant spouse’s name

The contributing spouse funds it and claims the deduction

Subscribe through Drake Financial Ltd.

The Numbers

Uses the contributor’s room

18% of earned income up to $33,810 (2026)

Income splitting

Deduction at the higher earner’s tax rate; withdrawal at the lower earner’s rate

3-year attribution rule

Withdrawals within 3 calendar years of the last contribution attribute back to the contributor

Minimum investment

$500

Targeted return

12% IRR*

Frequently Asked Questions

Who owns the account?

The annuitant spouse. The contributor only claims the deduction.

Does it affect my own RRSP room?

It uses the contributor’s room — the annuitant’s personal RRSP room is untouched.

Why do this instead of two regular RRSPs?

Income splitting. Balanced retirement income between spouses usually means less total tax and better benefit protection in retirement.

Invest Now!

Speak with Amir Frcic, Dealing Representative, Drake Financial Ltd.

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No debt. No riba. No compromise. Faith-built wealth for a modern world.

Targeted returns are projections based on assumptions in the Offering Memorandum and are not guaranteed.

This illustration is for informational purposes only and is not intended to provide specific financial, investment, tax, legal, or suitability advice.
The projected returns shown are hypothetical and based on the assumptions within the Offering Memorandum.
Actual results may differ significantly due to market conditions, fees, taxes, and other factors.
Past performance is not indicative of future results. No assurance or guarantee of any investment outcome is expressed or implied.
See the Offering Memorandum for more information. Subscriptions available through Drake Financial Ltd. an Ontario Securities Commission registered Exempt Market Dealer.
Any investment decisions should be made after consultation with our Exempt Market Dealer.
This material does not constitute an offer to sell or a solicitation to buy securities and is provided for discussion purposes only.

Subscriptions available through Drake Financial Ltd., an Ontario Securities Commission registered Exempt Market Dealer. For suitability, contact Amir Frcic, Dealing Representative, at +1 (905) 949-9119. Zakat and estate-planning information is educational only and not a religious ruling or legal advice; consult a qualified scholar and advisor.