Purchasing financial products that meet your needs now and in the future can be complex. That’s why professional advice from knowledgeable financial security advisors is essential.
Our goal is to help you make informed decisions about the products in your portfolio. From securing a comfortable retirement, saving for a home and financing a child’s education, to protecting your family in the event of death, a disability or critical illness, we have access to a comprehensive portfolio of financial security planning products and services.
We also have access to products specifically designed to meet the unique needs of small and large businesses.
Insurance
Insurance is part of the foundation of a complete financial security plan. It helps protect you and your family in the event of death, a disability or critical illness. While you’re still living, some life insurance policies can build tax-advantaged cash value which can be drawn upon1 to help you achieve goals, such as buying a house or retiring comfortably.
To help meet your financial security planning needs, we have access to a broad range of insurance products. These products are designed to meet the diverse needs of individuals, families, professionals, executives, business owners and employees, including the needs of part-time and seasonal workers.
1 If the accumulation stays within prescribed limits, the cash value is only subject to income tax when it’s withdrawn.
Life insurance helps to create security for you and your family. When you die, it can be used to pay final expenses and debts, and provide an income for your family.
The advantages of life insurance include:
- Death benefits to named beneficiaries are almost always non-taxable.
- An instant estate when funds are needed the most
- Probate costs can be avoided if you name a beneficiary other than your estate
- Life insurance may offer the potential for creditor protection1
- Permanent life insurance allows you to build tax-advantaged cash value for retirement purposes or to provide liquid savings2
We have access to a wide variety of life insurance options to help meet the needs identified in your financial security plan. We can help you select coverage that’s right for you.
Contact us to find out more about how life insurance can play a vital role in your financial security plan.
1 Creditor protection depends on court decisions, which can be subject to change and can vary from each province; it can never be guaranteed. Talk to your lawyer to find out more about the potential for creditor protection.
2 If the accumulation stays within prescribed limits, the cash value is only subject to income tax when it’s withdrawn.
- Potential protection of your ability to earn an income, current lifestyle, financial independence and your family’s long-term financial security plan
- The ability to pay fixed expenses for your business if you’re disabled
- Facilitation of the buy out of a disabled partner’s share of the business
- A lump-sum benefit that you can use however you wish (e.g. to make mortgage payments, seek medical treatment outside Canada, help your business continue in your absence)
- Coverage for up to 25 critical illnesses or conditions
- You may receive payment even if you’re not disabled from work
- Options are available that provide a return of premium benefit
- Individuals unable to obtain disability insurance for various reasons can, in some cases, still qualify for critical illness coverage (e.g. a non-income earning spouse)
Retirement & Investment Solutions
Based on your specific needs and goals, investments can play a key role in your financial security plan and your ability to achieve your short- and long-term goals. We have access to a wide range of savings and income products – both registered and non-registered savings, income, and pension plans for individuals; as well as registered and non-registered savings and pension plans for employee groups.
- Tax-deductible RRSP contributions
- Tax deferral of compounding income and growth
- Government RESP grant is available based on family net income and amount contributed
- Tax-deductible RRSP contributions
- Tax deferral of compounding income and growth
- Government RESP grant is available based on family net income and amount contributed
- Ability to designate a beneficiary to bypass the estate
- Potential for creditor protection1
- Savings on potential probate fees, if any
- Maturity and death benefit guarantees
- No trustee fees
- Lifetime income benefit option
1Creditor protection depends on court decisions and applicable legislation, which can be subject to change and can vary from each province; it can never be guaranteed. Talk to your lawyer to find out more about the potential for creditor protection for your specific situation.
Mutual Funds
Mutual funds can be the foundation of a diversified investment portfolio. By allowing individual investors to pool their savings in a portfolio of investments managed by professional investment managers, they allow you to diversify your portfolio among many different companies and industries within Canada and around the world.
- Liquidity
- Diversification
- Potential for increased returns
- Expertise of professional investment managers
- Save for retirement or a child’s education
- Build a home or a business
- Plan for an event or a legacy
Make your investment decisions wisely. Important information about mutual funds is found in the funds’ simplified prospectus. Please read this carefully before investing. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Unit values and investment returns will fluctuate.
Group benefits
If you need effective benefit solutions for your business, we can provide access to customized group benefits plans, including life insurance and disability insurance, as well as health, dental and visioncare insurance. We also have access to innovative products and services, such as benefit plans for foreign workers.
Contact us to explore benefit solutions designed to help serve the wellness needs of your employees and your business.
Group retirement and savings plans
If you have a business, group retirement and savings plans can play a key role in helping you attract and retain quality employees. We have access to a wide variety of group retirement and savings plans.
These plans include:
- Group registered retirement savings plans
- Deferred profit sharing plans
- Defined contribution pension plans
- Non-registered savings programs
Contact us to find out more about group retirement and savings plans, and how they can benefit your business.