Investment & Insurance Services in Ontario
We work with leaders in the industry. We look for long term track records, we strive to personally meet with the money managers we work with, look at ways to reduce fees, analyze risk to ensure that your goals are met. Full access to your advisor, open communication and transparency are essential to success in our opinion. We can protect non-registered funds to ensure timely disbursement to your beneficiaries.
Segregated Funds "Power of Naming a Beneficiary"
Did you know that by naming a beneficiary on non-registered assets you can ensure that those assets are private and do not go into the probate process? This could save you thousands of dollars.
You can not add a beneficiary designation to a GIC provided by a bank, trust company or credit union.
In 2009 the Federal government announced the creation of the Tax Free Savings Account. This is a valuable planning tool for an emergency fund or long term retirement planning. There is a special tax advantage for spouses named as successor holders on these plans. It is important to work with a professional intentions are properly documented.
A registered disability savings plan (RDSP) is a savings plan that is intended to help parents and others save for the long term financial security of a person who is eligible for the disability tax credit (DTC).
We all want our children to have a better chance at life than we did. What better way to ensure this than to save for this specific purpose? HRDC will pay a 20% grant on contributions and under certain circumstances will pay additional grant and a Canadian Learning Bond to families with low income. Find answers here to commonly asked questions about RESPs.
There are literally thousands of companies to choose from, all with unique features for your consideration. No worries, that’s why we will work together to see what works best for you.
"Did you know if you are the higher income earner in your household that it may be more beneficial to make the RRSP contribution in your spouses name? You still get the tax receipt but this can be helpful down the road at retirement to equalize income between you."
In our current environment, leaving your company pension with your company is taking a risk. Current reports suggest that many company pensions are grossly underfunded. You need to know the advantages and disadvantages of keeping your pension with your company or commuting the value so you have control.
I look for companies that have a history of paying a great rate of interest to you. There are no fees to deposit or withdraw money to these accounts. Personal and Corporate accounts are welcome.
Our firm provides our best rate, the first time. We work with the top five Canadian Banks, Trust Companies, Credit Unions and Life Insurance Companies – over 100 companies in all.
Need a guaranteed income in retirement? Tired of getting less than 5% on your GIC’s?
Check out this article if you are ready to retire now: https://www.empire.ca/docs/pdf/INP-0147-ClassPlusScenarioInRetirementTakingIncomeNow-EN-web.pdf
Check out this article if you have a few years to go and will take income later: https://www.empire.ca/docs/pdf/INP-0146-ClassPlusScenarioSavingForRetirementTakingIncomeLater-EN-web.pdf
Did you know that by investing with a life insurance company for Non-registered you gain these additional benefits:
Make sure you and your family are properly insured before you leave. Take the next step to receive a quote or purchase your travel insurance coverage. Travel Weblink:
Health & Dental Benefits
No health or dental benefits at work? Need personal coverage? Take the next step to receive a quote and/or purchase your coverage. Flexcare, FollowMe Health & CI weblink:
Health Care Spending Accounts for Your Business
This is a great idea for small business owners. Find out more about health care spending accounts.