Your Financial Partner
Our Services
Investments
Types of Accounts:
-
Registered Retirement Savings Plan (RRSP)
-
Locked-In Retirement Account (LIRA)
-
Tax Free Savings Account (TFSA)
-
Registered Retirement Income Plan (RRIF)
-
Life Income Fund (LIF)
-
Registered Disability Savings Plan (RDSP)
-
Registered Educational Savings Plan (RESP)
-
Non-Registered Accounts
-
Individual Pension Plan (IPP)
-
Retirement Compensation Arrangement (RCA)
​
​
Types of Investments: ​
-
Stocks
-
Bonds
-
Alternatives
-
Mutual Funds
-
Exchange Traded Funds (ETFs)
-
Guaranteed Investment Certificate (GIC)
-
Principal Protected Notes​
Sample Portfolio Mix
The right fee structure for you
Clients will receive a tailored investment management that is consistent, predictable, active and highly competitive.
​
1) Separately Managed Account : Clients will access a list of mandates to fit different needs – for income, growth, or both, providing sophisticated portfolio construction, risk optimization, competitive fees, and comprehensive reporting.
2) Fee-based Account: Clients will work alongside their advisor and have the ability to make the final decision on their investments. The advisor will provide full direction and recommendations with limited control over your portfolio.
*Insurance
Personal
- Term Insurance: flexible and affordable protection coverage for a specified period.
- Permanent life: guaranteed, reliable, permanent protection that builds cash value over time. Permanent protection with tax-advantaged investment growth.
- Critical illness: lump sum benefit if you’re diagnosed with a covered critical illness (provided after a standard waiting period).
- Disability: monthly benefit providing income protection if you’re unable to work due to injury or illness.
- Travel: protection plan that safeguards against unexpected events and offers assistance during emergencies while traveling.
​
Corporate
- Key person insurance: A policy for companies to protect against the financial loss that may occur if a key employee or owner dies or becomes - disabled.
- Buy/sell agreement: A legally binding contract between co-owners of a business that establishes the terms and conditions under which an owner's interest in the business can be bought or sold. It provides a framework for the orderly transfer of ownership in the event of certain life-changing situations.
- Permanent life: A policy that provides guaranteed, reliable, permanent protection that builds cash value over time. Permanent protection with tax-advantaged investment growth.
- Immediate Financing Arrangements (IFA): Offers advantages that can make cash more accessible, while maintaining the corporation's financial interests and providing valuable life insurance protection.
​
**Mortgages
Whether you're looking to purchase your first home, refinance or obtain a reverse mortgage, our access to a wide range of lenders and loan products, increases the chances of finding you the best mortgage terms and rates. Our mortgage specialists negotiate on your behalf to secure competitive rates and terms so that the process is as stress-free as possible. Their services are cost-effective, as they are compensated by the lender, not the borrower. Ultimately, using a mortgage broker streamlines the home financing journey, providing access to options, expertise, convenience, and potential cost savings.
Planning
Tax Planning
Tax planning is crucial to minimize your tax liability and preserve more of your hard-earned money. Some key techniques include taking advantage of tax-deferred investment vehicles like RRSPs and IPPs, asset allocation, corporate class structures, TFSAs, and timing your income/expenses to optimize your tax bracket. By working with a knowledge team and incorporating these strategies, you can reduce your tax burden and achieve greater financial security.
​
Retirement and Estate Planning
As you approach retirement age, it's important to take a holistic view of your finances and develop a plan that considers your income needs, investment goals, and legacy objectives. We work to ensure you maximize contributions to tax-advantaged retirement accounts and develop a withdrawal strategy that balances your income needs with your tax liabilities. Estate planning is also an essential component of retirement planning, as it enables you to protect your assets and ensure that your wishes are carried out after you pass away. This can involve creating a will or trust, designating beneficiaries for your assets, and taking advantage of tax-efficient gifting strategies.
Charitable Giving
Allows you to support causes and organizations that are important to you while also providing potential tax benefits. By incorporating charitable giving into your financial plan, you can achieve greater fulfillment and meaning in your financial life while also supporting causes that make a positive difference in the world. Some common strategies include donating cash or securities, establishing a charitable trust or including charitable bequests in your estate plan.
​
.jpg)
Group Pension
Group Pension plan is a retirement savings plan offered by an employer to its employees. It is designed to help employees accumulate funds for their retirement. By demonstrating commitment to the financial well-being of employees, the employer enhances the company's reputation, attracts top talent, and increases employee loyalty. Our expert plan management and support services make the implementation and administration process effortless for you.
Types of Plans:
-
Pooled Registered Pension Plans (PRPP)
-
Defined Contribution Pension Plans (DCPP)
-
Registered Retirement Savings Plan (RRSP)
-
Deferred Profit-Sharing Plans (DPSP)
-
Tax Free Savings Account (TFSA)
-
Non-Registered Savings Plans
-
Employee Share Ownership Plans
-
Individual Pension Plans
-
Individual Pension Plan (IPP)
​
​
Group Benefits
Group Benefits plan is a coverage package offered by employers to their employees as part of their overall compensation package. It demonstrates the employer's commitment to the ' well-being of the employees and fosters a positive work environment. Our streamlined administration and support services make managing benefits effortless, saving you time and resources.
Coverage includes:
-
Prescribed drugs
-
Dental care
-
Vision care
-
Homecare and nursing
-
Registered therapists
-
Enhanced coverage for seniors
-
Emergency medical travel coverage
​
Success Stories
.png)
