I am extremely great full for the encouragement to not hesitate anymore and all the help. I have maxed my TFSA with the funds I had in mind.
Questions: My employer matches a certain amount for the share ownership plan, I am still debating to open a GRSP but I would to need open a wealth account and pay a stock or an ETF trading fee. Should I keep the share ownership plan in a Non registered and just leave it as TD stock or open an RRSP with questrade?
My Aunt is asking me to claim the value of the GRSP from the share ownership plan and keep carrying over the RRSP available contribution room to defer taxes (since I had $0 in RRSP I have a lot of unused RRSP room) Should I do that or max the RRSP at questrade?
Generally you want to invest as much as you can to take advantage of the maximum match offered by the employer. This includes any type of Employee Share Purchase Plan and Group RSP. But don't invest a penny more than that in the plan. You don't want to get too loaded up on any single stock, or have all your RRSPs in a higher-free group plan.
I'm not sure how your ESPP works, but often these are only available in NR accounts.
Take advantage of the plan matches first, then worry about any remaining RRSP contributions in February of next year as tax time comes. This gives you time to figure out what your taxable income will be. Depending on your income/spending/saving situation, you generally don't want your RRSP contributions to bump your taxable income below the upper limit of first tax bracket (around $46,000). At that point you are better off investing in a NR account and deferring any RRSP contributions to future higher income years.
That said, I would still open the accounts at Questrade and keep the option open so you don't have to file paperwork and forms next February in a panic before the "RRSP deadline".
Don't forget, you can always invest in your NR account in the meantime and transfer any positions with capital gains to your RRSP later when it's convenient to take the tax break. (Don't transfer at a loss as for some weird reason it makes the loss non-deductible).