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It all starts with a Plan

Investment Products

  • RSP (Retirement Saving Plans)
  • RESP (Registered Education Saving Plans)
  • TFSA (Tax Free Savings Accounts)
  • Non Registered Plans
  • Guaranteed Interest Options
  • Annuities
  • Segregated Funds

Canadians who work with an advisor for 15 years can accumulate up to 4x more wealth. Let’s talk about a plan specific for your needs. There is no fee for a meeting.

You’ve worked hard to save.
Why not make your savings work hard for you?

Segregated Funds

Segregated fund policies provide potential growth and exibility for your investment portfolio, while providing protection for you and your beneficiaries through built-in guarantees. Whatever milestones you’re saving for – be it a house, furthering your education, travel, or retirement – segregated funds may be a strong fit for your investment goals.

What are the benefits of segregated funds?


With the help of your financial security advisor, you’ll choose from one of the widest selections of segregated funds in Canada, managed by award-winning investment managers.


Segregated fund policies give you growth potential while protecting your money with maturity and death benefit guarantees. These guarantees protect part or all of your initial investment; when you reach your maturity guarantee date or pass away, if your investment is worth less than its original value, the insurance protection will top you up to your chosen percentage – either 75% or up to 100% of your original value, proportionately reduced by any withdrawals.


To ensure your future income, the optional lifetime income benefit feature provides protection against
the risk of outliving your money, market downturns and losing your buying power. Your income won’t be reduced no matter how the segregated funds perform, unless you take out excess money. As your investment grows, the amount protected can periodically increase to reflect the current market value of your investment.


Segregated fund policies can help protect your money should you run into tough nancial times. They can help ensure certain beneficiaries take priority over the claims of creditors. In these situations, your segregated fund investments could be protected, even if you owe money, are sued or file for bankruptcy.


In the event of your death, the person you choose to settle your affairs could find the process stressful. Segregated funds offer a simple and straightforward way to pass on your money. Unlike some investments, the death benefit from your segregated fund policy will go directly to your beneficiaries and won’t flow through your estate. This could be faster, less expensive and less stressful than other options. If the policy has a designated beneficiary, the way you choose to leave your money, and to whom, is private.

Invest in a child’s education

Registered education savings plan (RESP)

Post-secondary education can set your child or grandchild on the path to a better career with better pay and the personal satisfaction and confidence that comes with experience and achievement. You can help.

What RESP's Can Do

RESPs do more than cover the costs of tuition

They can be used for other expenses related to education, such as housing, food, books, technology needs and travel – items especially important for students attending school away from home.

Governments help out

The federal government offers the basic Canada education savings grant (CESG) – a grant of 20 per cent on the rst $2,500 contributed to an RESP each year for a total of $500 (lifetime limit of $7,200.), a nice top-up. You could also qualify for additional CESG assistance – up to an extra 20 per cent on top of the basic grant. Some provinces help as well.

No annual maximum contribution amount

Although there is a $50,000 lifetime maximum of allowable contributions. You are allowed to carry over some unused CESG-eligible contribution room to catch up later if you want to (although there are some restrictions on how much can be caught up in a single year).

RESPs offer a lot of flexibility for your money

If the beneficiary decides not to pursue post- secondary education. You can hold the plan open for 35 years in case the beneficiary’s plans change; roll the growth over to a registered retirement savings plan (RRSP) if you have contribution room; designate another beneficiary; or withdraw the contributed money.

Investment Services

Contact me today for a no obligation consultation