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How do I find a lost RRSP? It has moved several advisors.



Our response:

There is no database available to help you track down a missing Registered Retirement Savings Plan (RRSP). However, there are a few things you can do to try to locate it:

  1. Check your old tax records. If you have the paperwork related to your latest contribution, you can start by contacting that financial institution to see if they have a record of your account.
  2. Contact past advisors. If your account was handled by an investment advisor, they (or their firm) may have information on where the account was moved.
  3. Contact financial institutions and banks. As a final option, contact major banks and financial institutions to see if you have an account registered with them.

If what you had was not an RRSP, but rather a locked-in retirement account, for example, set up to hold retirement contributions after leaving a past employer, contact your provincial pension regulator. In Ontario this is the Financial Services Regulatory Authority of Ontario (FSRA). Outside of Ontario or for federally regulated pensions, you can contact the Office of the Superintendent of Financial Institutions (OSFI) to help you determine next steps.

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