Invest

Investments can play a key role in your financial security plan. For individuals, a mix of registered and non-registered savings, income and pension plans can help achieve short- and long-term goals. For employee groups, I can offer advice on registered and non-registered savings and pension plans.

• Individual Pension Plan
• Registered retirement savings plans and Registered education savings plans
• Segregated fund policies

For mutual fund information, click here

Individual Pension PlanTOP

An Individual Pension Plans (IPP) is a retirement planning solution which should be considered for business owners, professionals and senior executives who have maximized their RRSP contributions and are looking for significant tax advantages and greater pension benefits.

An Individual Pension Plan is a Defined Benefit Plan whereby the corporation makes contributions on behalf of the business owner, their families or key employees in order to properly fund their retirement needs. The IPP is tailor-made to the individual member and as such can be customized to meet their needs.

RRSPs and RESPsTOP

A registered retirement savings plan (RRSP) has several advantages. For investors under 72, it can allow tax-deferred compound interest and help accumulate savings to achieve long-term retirement goals. It also allows for a variety of choice of specific investment options. For families with children, a registered education savings plan (RESP) can help finance post-secondary education.

Some of the advantages of RRSPs and RESPs include:

• Tax-deductible RRSP contributions
• Tax deferral of compounding income and growth
• Based on a family's net income and the amount contributed, a government RESP grant is available
• When money is withdrawn from an RESP, the student typically pays little tax, due to a low income tax rate

Working together, we can examine RRSP and RESP investment options in order to build a customized portfolio that takes into consideration your financial security goals, tolerance to risk and timeline. Contact us today to find out more.

Segregated fund policiesTOP

In a segregated fund policy, professional fund managers invest in a variety of individual securities. Depending on the performance of the segregated funds you select, your investment's unit values will increase or decrease.

As a form of life insurance, it's important to note that segregated fund policies have distinct advantages for some investors. These can include:

• Potential for creditor protection
• Savings on potential probate fees
• No trustee fees

As a wealth management services firm, we can access to a wide variety of segregated funds. Contact us today to discuss how they might strengthen your investment portfolio, and to receive an information package about segregated funds.

Note that any amount allocated to a segregated fund may increase or decrease in value, and is invested at the risk of the policyholder.