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1 If the accumulation stays within prescribed limits, the cash value is only subject to income tax when it’s withdrawn.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.

Disability insurance can help protect one of your most valuable assets – your income. Your income helps you maintain current financial obligations (e.g. mortgage payment, monthly bills, grocery purchases) and your financial security plan (e.g. children’s education planning and your retirement goals). What would happen to these things, like your home, if you no longer had that income stream? We have access to disability insurance products designed to help address your needs and help protect your ability to earn an income – something that could be jeopardized if disability strikes. The advantages of disability insurance include:
  • 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
Contact us to find out more about helping to protect your income and the importance of disability insurance to your financial security plan.
Critical illness insurance can help reduce financial stresses at a critical time in your life, and can complement disability and life insurance protection needs. It offers you and your family – as well as your business – the financial resources to help pay for additional expenses often associated with a critical illness or condition. The advantages of critical illness insurance include:
  • 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)
We can help you determine if critical illness insurance fits into your financial security plan. Contact us today to find out more about critical illness insurance.
If you’re not covered under a group benefits plan, we can help you access individual health and dental plans designed to help cover out-of-pocket medical and dental expenses. These plans provide various levels of enhanced healthcare protection to help meet your needs at different stages of your life. Contact us to find out more about enhanced healthcare protection for you and your family.

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.

A registered retirement savings plan (RRSP) can be an effective way to benefit from tax-deferred compound interest and accumulate savings for your long-term retirement goals. And if you have children, a registered education savings plan (RESP) can help you contribute to their post-secondary education.
The advantages of RRSPs and RESPs include:
  • Tax-deductible RRSP contributions
  • Tax deferral of compounding income and growth
  • Government RESP grant is available based on family net income and amount contributed
We can help you personalize an investment portfolio based on your financial security goals, your tolerance to risk and your timeline for realizing your goals. Contact us to take a closer look at your investment portfolio and find out how RRSPs and RESPs could be part of your financial security plan.
A registered retirement savings plan (RRSP) can be an effective way to benefit from tax-deferred compound interest and accumulate savings for your long-term retirement goals. And if you have children, a registered education savings plan (RESP) can help you contribute to their post-secondary education. The advantages of RRSPs and RESPs include:
  • Tax-deductible RRSP contributions
  • Tax deferral of compounding income and growth
  • Government RESP grant is available based on family net income and amount contributed
We can help you personalize an investment portfolio based on your financial security goals, your tolerance to risk and your timeline for realizing your goals. Contact us to take a closer look at your investment portfolio and find out how RRSPs and RESPs could be part of your financial security plan.
Segregated fund policies are similar to mutual funds, but they’re only available through life insurance companies. Professional investment managers invest in a variety of individual securities, and the value of your policy’s units increase or decrease with the performance of the segregated funds you select. However, because segregated fund policies are a form of life insurance, they have advantages for some investors. These advantages can include:
  • 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
We have access to a wide variety of segregated funds. Contact us to find out how segregated funds could strengthen your investment portfolio. A description of the key features of the segregated fund policy is contained in the information folder. Any amount that is allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.

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.

As an investment representative, we have access to products offered by a leading mutual fund dealer and we can help you build a portfolio tailored to your specific financial security needs and goals. The advantages of mutual funds include:
  • Liquidity
  • Diversification
  • Potential for increased returns
  • Expertise of professional investment managers
Depending on your needs and goals, adding mutual funds to your portfolio can help you:
  • Save for retirement or a child’s education
  • Build a home or a business
  • Plan for an event or a legacy
Contact us today to find out more about how mutual funds can play a key role in building your financial security plan.

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.