Savings & Wealth

There are so many ways you can save for your future. Everyone knows the person (or people) who talk about their massive return, but no one ever talks about the true risk involved, or how little that person actually invested to get their huge percentage (400% growth of $20 is $100, and risking such growth means being willing to lose just as easily.

Our priority is to always begin with a risk assessment, and to ensure the questions are answered with honesty by putting some of the questions into a real-life scenario based on our understanding of our client's situation. Whether it be saving for retirement, knowing how to minimize future taxes on existing retirement portfolios, commuting a pension from a former employer or what not, we are here to help and look at all options available to you.

Savings and GIC/GIO Rates

A GIO (Guaranteed Interest Option) is an insurance wrapped GIC (Guaranteed Interest Certificate). The insurance warpping means additional protection against certain final expenses, a faster transition to beneficiaries, and bypasses the estate. We offer both versions of these products from the best financial institutions in the industry. Through our partner institutions, we also offer high interest savings accounts with several companies.

Mortgage Solutions

A good mortgage (and good rate) is an important tool in building your wealth. We work with various banks and financial institutions to ensure a plan that provides you with the most flexibility in your mortgage, while also ensuring you continue to build towards your financial goals.

Private Wealth

We have vetted and partnered with various private wealth solutions that fit every kind of client we work with. From lower risk strategies that protect you when the markets are shaky to higher reward outside of traditional funds, we offer investment solutions that are usually only offered in the form of pension funds, and while private wealth doesn't offer the same guarantees, combined with a proper risk assessment, keeps you in charge of your own money to leave you in control of it and let's it go to your loved ones if you don't spend it all.

Investment Management (Segregated Funds)

Much like GIOs (Guaranteed Interest Options), segregated funds offer additional protection against certain final expenses, a faster transition to beneficiaries, and bypasses the estate, leaving more money to your loved ones and getting in their hands within weeks rather than months or even years under normal circumstances. These funds otherwise function no differently than traditional Mutual Funds, and are offered by the leading financial organization in the world. From government bond funds to international equity, and all available in socially responsible/ethical fund structures, you can invest with confidence in your investment structure.

Life Insurance as an Investment Asset

Yes! There are so many types of life insurance vehicles, including several that include investment options. Some of these options allow you to control the investment and its risk tolerance (Universal), which means the investment will go up or down depending on market conditions. Others have the investment built right into the policy, where the value of insurance grows with every annual dividend. When prepared with the right insurance companies, these products not only grow at rates better than a traditional 5 year GIC, but each dividend pays up and grows your death benefit, typically more than keeping pace with inflation. The best part of this solution is that once growth is paid out, it is immediately vested, and the better companies in this space have bee paying out dividend without end for decades or longer. The intricacies of such a solution includes many variations, and should be discussed with a knowledgeable Financial Planner to understand it as clearly as possible. In many instances, a solution like this would be an excellent component of a greater financial plan and can be a part of the low risk component of your overall plan.

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