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Segregated Funds

Like mutual funds, these are market-based investments. Money is pooled and invested in stocks, bonds or other securities with the goal of increasing the value of the entire pool. Appeal to investors who are looking for both growth and protection (of principal). Because segregated fund contracts are insurance contracts, they have special benefits that mutual funds do not, these include:

  • 75 – 100% of premium guaranteed premium upon maturity or death
  • Creditor protection – this can be a big advantage for business owners and professionals wanting to protect against an unexpected lawsuit or bankruptcy.
  • When purchased with non-registered money – beneficiaries can be named, allowing funds to bypass your estate, and go directly to them. Funds can also be paid as a lump sum or in the form of a payout annuity.

Services

Mutual Funds

These are market-based investments, managed by professionals, which are designed for long term investing due to their fluctuating values.

Segregated Funds

Like mutual funds, these are market-based investments. Money is pooled and invested in stocks, bonds or other securities with the goal of increasing the value of the entire pool.

Tax-advantaged Savings Plans

Government designed programs to boost your savings with tax breaks and incentives.

Retirement Planning

The #1 financial goal of most Canadians. One important element of retirement planning is understanding Canada Pension Plan (CPP) and Old Age Security (OAS).

Estate Planning

The purpose of estate planning is to ensure your finances are arranged in a way that allow your assets to be passed to your heirs as quickly as possible.

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