Your Investments

Do you ever feel like life is too automated? Maybe you’re suspicious of the cruise control feature on your car. You’re not a fan of auto-pilot on commercial flights.

You prefer to know that an experienced individual has their hands on the wheel and is ready to respond to new conditions.

Some clients think their Certified Financial Planner is running on auto-pilot. They feel like they are just another step in the financial assembly line. They fill out a questionnaire, hand over their money, and then hope that they hear from someone again at some time in the future.

Automation can be a great thing, but sometimes, you need a human being to oversee critical parts of the process. It takes someone with insight and experience to say, “Does this plan make sense for my client? Is there too much risk in this asset allocation strategy?”

Your Certified Financial Planner will work with you to understand your unique goals and your risk tolerance. You can rest assured; a true professional is at the helm.

Mutual Funds

Today there are thousands mutual fund available across Canada. In order to assist our clients with creating quality portfolios, we use sophisticated database software to…

RRIF

A Registered Retirement Income Fund is an investment plan, established in accordance with Government of Canada requirements, into which you can transfer registered…

GIC

Guaranteed Investment Certificates are issued in your name and can’t be sold except to the institution that issued them. You agree to keep the money in the GIC for …

RESP

Registered Education Savings Plans are registered education savings plans that grow tax-free until the child is ready for university, college or a vocational institute. The student…

TFSA

A Tax-Free Savings Account is a registered savings account that allows taxpayers to earn investment income tax-free inside the account. Contributions to the account are …

LIF

A Life Income Fund (LIF) is a retirement income plan using locked-in pension money and the owner of the LIF can control the investments held within the fund. In …

RRSP

A Registered Retirement Savings Plan is a retirement plan that is registered with the federal government and that you or your spouse or common-law partner …

LIRA

The Locked-In Retirement Account (LIRA) and Locked-In Retirement Savings Plan (LRSP) enable you, as an employee to maintain the tax-deferred status of…

RDSP

Since in 2008, the Registered Disability Savings Plan has been available to Canadians who qualify for the disability tax credit and offers a a tremendous bonus to those…

Borrowing to Invest

Leveraged investing is defined as borrowing money to finance an investment. You are familiar with the concept of leverage if you’ve ever borrowed money to make additional…