During retirement, income needs can become pressing. Can you generate sufficient income without drawing down on your principal? What is the best way to generate income without taking excessive risks? You shouldn’t make these decisions alone. After all your hard work leading up to retirement, let a profession advisor us help you navigate this stage of life.
Mutual Fund
Today there are thousands of mutual funds available across Canada. In order to assist our clients with creating quality portfolios, we use software to select only those investment funds that meet each client's risk tolerance...
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 a set period in return for a set rate of interest. Compound GIC's pay you interest on your interest. Instead of paying...
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 not deductible for tax purposes, and withdrawals of contributions and earnings from...
Segregated Funds
Guaranteed Investment Funds (also known as "Segregated Funds" or "Individual Variable Insurance Contract") are basically enhanced Mutual Funds. They come with a protective wrapper provided by an...
RRIF
A Registered Retirement Income Fund is an investment plan, established in accordance with Government of Canada requirements, into which you can transfer registered funds (usually your RRSP) without tax liability to establish a source of retirement income. Some RRIFs 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 addition to the requirement for a minimum annual withdrawal (like a RRIF), LIFs also...
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 pension plan proceeds received when you leave a company. LIRA's lock in your money, but not...
Annuities
Annuities are one of the simplest investment vehicles one could acquire. Simply put, when you establish an annuity, you are purchasing a lifetime income. Examples of annuities are, Canada Pension Plan...
Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund/exempt market product investments. Please read the Fund Fact or prospectus carefully before investing. Mutual fund and exempt market product investments are not guaranteed, their values change frequently, and their past performance may not be repeated.
Insurance products are provided through National Financial Insurance Agency Inc.
Segregated fund products are offered through Investia Financial Services Inc. and/or multiple carriers.
Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.
Guaranteed Investment Certificates (GICs) are offered through Investia Financial Services Inc. and/or multiple carriers.
