Investment
Segregated Fund
Our segregated funds combine the growth potential of mutual funds with the security of insurance products. Designed for clients seeking capital protection, these funds offer investment growth with the added benefit of guarantees on your principal. Segregated funds are ideal for estate planning as they bypass probate, ensuring a smooth transfer of wealth to your beneficiaries. Our team of financial experts will help you select the right segregated fund that aligns with your financial goals, providing peace of mind while allowing for potential growth.
Market Linked Guaranteed Investment Certificates (GICs)
Our Market-Linked Guaranteed Investment Certificates (GICs) offer the safety of principal protection with the opportunity to benefit from market growth. Unlike traditional GICs, market-linked GICs tie your return to the performance of a specific market index, allowing you to potentially earn higher returns while keeping your investment secure. This hybrid solution is ideal for conservative investors who want to participate in market gains without risking their initial investment. Let us help you find the right market-linked GIC to complement your investment strategy.
Tax-Free Savings Account (TFSA)
Our Tax-Free Savings Account (TFSA) service provides a flexible and tax-efficient way to grow your savings. With no taxes on investment income or withdrawals, a TFSA is perfect for saving for short-term goals or long-term financial security. Whether you invest in stocks, bonds, or mutual funds, our TFSA allows your investments to grow tax-free. Our financial advisors will help you maximize your contributions and choose the best investments for your TFSA, ensuring your savings work harder for you.
Registered Retirement Savings Plan (RRSP)
Our Registered Retirement Savings Plan (RRSP) services help you build a secure retirement through tax-deferred growth. Contributions to an RRSP are tax-deductible, and your investments grow tax-free until withdrawal, providing a powerful tool for retirement planning. We offer a range of investment options within your RRSP, including stocks, bonds, and mutual funds, ensuring that your portfolio is diversified and aligned with your retirement goals. Let us assist you in maximizing your RRSP contributions and optimizing your retirement savings strategy.
Registered Education Savings Plan (RESP)
The Registered Education Savings Plan (RESP) services are designed to help you save for your child’s future education. Contributions to an RESP grow tax-free, and the government may provide additional grants to boost your savings. When your child is ready for post-secondary education, the funds can be used for tuition, books, and living expenses. Our financial advisors will guide you through maximizing your RESP contributions and taking full advantage of government incentives, ensuring that your child’s education fund grows efficiently.
RRIF / LIF (Registered Retirement Income Fund / Life Income Fund)
The Registered Retirement Income Fund (RRIF) and Life Income Fund (LIF) services are essential for converting your retirement savings into a steady income stream. After retiring, you can transfer your RRSP or pension funds into an RRIF or LIF, allowing for regular withdrawals while continuing to grow your investments tax-deferred. Our financial experts will help you create a withdrawal strategy that ensures your savings last throughout retirement while meeting your income needs and financial goals.
RDSP (Registered Disability Savings Plan)
Our Registered Disability Savings Plan (RDSP) services provide long-term financial security for individuals with disabilities. Contributions to an RDSP grow tax-free, and government grants can significantly enhance your savings. This plan helps ensure financial stability for individuals with disabilities, offering a secure income for their future needs. We help you navigate the complexities of RDSPs and optimize contributions and grants, ensuring that your savings grow effectively while securing the long-term care and financial protection of the beneficiary.
