Financial Services

Money Management

Through our referral partners, we offer a comprehensive range of savings vehicles, including RRSP's, RRIF's, Locked-in Plans, Annuities and Group Retirement Savings Plans and RESP's, in addition to the full range of non-registered plans. 

Through our association with Worldsource Financial Management Inc. we offer mutual funds from all the major providers, including:

• AGF Funds
• AIC Funds
• AIM Funds
• CI Funds
• Dynamic Funds
• Fidelity Investments
• Mackenzie Financial
• Templeton Management

Interested in segregated funds? Segregated Funds are a life insurance contract similar to mutual funds that include insurance protection. Some reasons to invest in them include:

1. Death Benefit Guarantee
2. 10-Year Guarantee
3. Creditor-proofing 

Our referral partners offer the full range of segregated funds from Manulife Financial and Great-West Life, two of Canada's biggest segregated fund providers, as well as all of the above-noted mutual fund companies, and others. 

If you're interested in GIC's, go no further than our referral partners. We offer a great variety of competitive cashable and non-cashable plans. 

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Specialized Planning

Our referral partners offer a comprehensive range of specialized plans, including cash management plans, retirement plans, tax planning, estate plans and business succession plans.

Cash Management Plans:
No matter what your income level, you may find out that there is little of your hard-earned dollar left after taxes, household expenses, and all the necessities of life. Let our referral partners help you find more of that missing dollar with a comprehensive cash management plan.

Retirement Plans:
Our referral partners will sit down with you and help you determine:

1. An estimate of your desired retirement income.
2. The available sources of this income, including government pensions and benefits, and any corporate pensions.
3. The shortfall to be made up through retirement planning, including required contributions to RRSP's and other savings vehicles.
4. A plan to invest these savings, with a view to making them grow with a reasonable amount of investment risk.

Education Planning:
Do you have children or grandchildren whom you hope to see obtain a post secondary education? Why not consider the advantages of the Registered Education Savings Plan (RESP)? The federal government has made these so attractive now, in the following ways:

1. The government provides a Canada Education Savings Grant of 20% of the first $2,500 deposited to an RESP per child per year.
2. As always, all earnings within the plan are sheltered from tax, and when withdrawn are included in the low income of the student beneficiary.
3. If a beneficiary does not attend college or university, the plan can be switched to another beneficiary or, subject to certain rules, the funds can be transferred to the subscriber's RRSP.

Tax Planning:
As Canadian citizens, we are entitled to arrange our affairs in such a way as to pay the minimum tax possible. Our referral partners will assist you to choose the most appropriate tax-savings vehicles, from the standard RRSP to labour-sponsored investment funds (LSIF's) to more sophisticated plans such as tax shelters and trusts.

Estate Plans:
As an integral part of your financial plan, it is important to consider what happens to your assets after you pass away. Our referral partners will help you identify the relevant issues, including:

1. The need for an up-to-date will and power(s) of attorney.
2. An ownership plan for family assets, with a view to letting assets pass in an orderly tax-efficient manner, including a consideration of the merits of joint ownership.
3. The use of inter vivos and testamentary trusts.
4. The appropriate use of life insurance to meet tax liabilities upon death.

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