Financial Solutions
Wealth Accumulation Solutions
You can choose from a comprehensive array of options - according to your personal goals, financial objectives and investment style. Knowing that regardless of what you decide we're here to offer you our resources, or advice, along the way.
GIC & Term Deposits
Money Market
RRSP’s
RESP’s
Segregated Funds
Retirement Income Options
Wealth Protection
Integrated Planning Solutions
For mutual fund information, click here.
GIC & Term Deposits
Security for your portfolio. Peace of mind for you. Guaranteed Interest Contracts (GICs) provide you with key benefits you're looking for:
A solid foundation for your investment portfolio – reducing overall portfolio risk and providing you with more consistent returns.
A positive rate of return – guaranteeing that at least part of your portfolio is continually growing.
Peace of mind – you'll rest easy knowing that your principal is safe and secure.
A broad range of investment choices available
Contact Us and find out more about GIC and Term Deposits
Money Market
Money Market investments offer attractive benefits to investors with many different needs. They're ideal if you want to invest for short term goals--such as saving for a car or a down payment on a new home--or keep funds liquid. They offer a higher return than traditional deposits, and provide the very high security you want for savings you can't afford to risk.
What are they?
There are several key features that all Money Market investments have in common:
- Money Market investments are short-term investments of up to 18 months.
- They provide very competitive rates of return and quick and easy access to your funds.
- They are issued by governments, banks and corporations.
- They are available in Canadian and U.S. dollars
Contact Us and find out more about Money Market Products.
RRSP’s
Making the most of your RRSP opportunity
Allowing your money to grow on a tax-deferred basis, an RRSP is a great way to help save for your future. In addition you also get to take an immediate tax reduction at the same time.
If you want to take full advantage of an RRSP, there are a few things you need to know.
Contact Us and find out more about RRSP’s
RESP’s
Invest in your child's future
An effective way to save for your child's post-secondary education is with a Registered Education Savings Plan (RESP).
Education costs vary considerably, depending on where your child goes to school and whether he or she continues to live at home. But no matter what you and your child decide, a post-secondary education can be expensive. To manage these costs successfully, you need an effective, flexible savings plan. Please give us a call, and we will be happy to help you.
Segregated Funds
About Segregated Funds
Segregated funds are similar to mutual funds. Both offer investors an opportunity to ‘grow’ their investment capital (the money they invest), and provide access to professional fund management. Usually, both allow investors to diversify with different fund managers and fund types.
Segregated funds offer many of the same investment opportunities and mandates provided by mutual funds but have one important difference -- segregated funds are insurance contracts known as individual variable annuities and are, therefore, governed by the Insurance Act.
Features of Segregated Funds:
Death Benefit Guarantee and Maturity Guarantee. Guarantees that are common to every segregated fund contract include a death benefit guarantee and a maturity guarantee.
- The death benefit guarantee protects a specific percentage of the value of an investment upon the death of the contract annuitant.
- The maturity guarantee protects a percentage of the value of an investment at the end of a specified term (typically 10 years).
The Ability to Bypass Probate
In the event of death of the annuitant, the proceeds of an insurance contract pass directly to a named beneficiary wthout going through probate. The benefit is that the asset avoids probate and estate administration fees. Furthermore, the beneficiary will also receive the proceeds without extended delays -- a considerable benefit during a time of need.
The Potential for Creditor Protection
In general, when the beneficiary is a parent, child, grandchild or spouse of the annuitant (for Quebec, ascendants and descendants of the owner), and the contract wasn't set up for the purpose of avoiding creditors, segregated fund assets may be protected from creditors.
This is a benefit to all small business owners, professionals and entrepreneur who want a cost-effective means of ensuring their personal financial assets are not subject to professional liability.
Contact Us and find out more about Segregated Funds.
Retirement Income Options
Create the retirement income stream you need
Government legislation requires that you convert your Registered Retirement Savings Plan (RRSP) into a retirement income option by December 31st of the year in which you turn 71.
Your options include the transfer your RRSP or Locked-In RRSP/LIRA to a Registered Retirement Income Fund (RRIF), Life Income Fund (LIF) or Annuity. With this approach, you will receive an income while benefiting from continuing tax deferral on the assets in your RIF/LIF.
Contact us and let us help you make the right choice for all your retirement needs.
Wealth Protection
As your assets grow, you have more to preserve and protect. In addition, minimizing income taxes takes on greater importance and business and personal finances often become more interrelated.
Proper planning can help to minimize the impact that taxation may have on your business or estate. Planning means you choose how your assets get distributed.
Utilizing over 100 years of combined experience and our exclusive Integrated Planning Process, a step-by-step approach; ensuring you receive the expert advice required to make informed decisions on implementing your estate plan.
Representing some of the most prestigious Insurance Companies and financial institutions in North America, our dedicated staff and Financial Advisors have more than 100 years of combined experience and will be happy to help you whatever your needs.
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