Wealth

Invest in yourself.

Wealth protection: get the security of a GIC and the performance potential of the stock market with minimal risk with Segregated Funds.  Provide yourself with a fixed cash flow during retirement years and prevent yourself from outliving your savings with an Annuity.

Segregated Funds may be for you if:

  • You are looking to guarantee yourself at least 75% – 100% of your initial deposit.
  • You are looking to ensure that your loved ones receive at least 100% of you initial deposit no matter when you pass away.
  • Looking for potential creditor protection.
  • Looking to have your investment bypass probate and be in the hands of your beneficiaries as quickly as possible.

You may want to consider an annuity if you are looking for guaranteed income.

The sooner you can start saving, the sooner you will have your money working for you. In other words, you are never too young to start investing. A good time to start investing is when you start your first real job that is supporting you and your family.   Unfortunately too many Canadians wait too long to start investing, therefore not achieving the quality of retirement they were hoping for.

Contact us today to learn more about starting to invest.

Life Insurance can be used to eliminate the annual taxes you pay on the growth of your investments, as well as those payable when you die. If you are already maxing out your RRSP and TFSA, then you may want to consider Life Insurance as an investment – especially if you are planning to pass this investment along to your beneficiary.

Contact us today to understand what options you have when it comes to investing with life insurance.

There is no easy formula to follow to determine how much you will need for retirement. There are many factors you will need to consider to determine what your number would be. How do you want to spend your time during retirement? Will be carrying debt into retirement? What’s your investment returns and risk tolerance? Typically, one would need between 50% – 70% of their preretirement income to sustain the same quality of life that they have grown accustomed to.

Contact us today to help you find out how much you should invest in order to achieve your retirement goal.

You may want to consider an annuity if you are concerned about outliving your income or want to ensure that you have your fixed expenses covered no matter what during retirement.   In return for a lump sum, you will in return receive regular payments for the rest of your life, or a set number of years depending on the structure.

Contact us today to see if an annuity fits into your retirement plan.

Like mutual funds, segregated funds are professionally managed and invested in a portfolio of securities. In fact, many segregated funds invest in brand-name mutual funds. Unlike mutual funds, segregated funds are insurance contracts that offer additional benefits such as principle investment guarantees.

Not only will insurers guarantee between 75% and 100% of your initial deposit at the time of your death, but the greater of your investment value or guarantee will flow directly to your named beneficiaries, without having to pass through your estate. As well, the same guarantee standards apply if you hold on to the contract until maturity (usually 10 years from the date of your deposit).

Contact us today to learn more about Segregated Funds.

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