Retirement and investment products

Based on your specific needs and goals, investments can play a key role in your financial security plan and your ability to achieve your short- and long-term goals. We have access to a wide range of savings and income products – both registered and non-registered savings, income, and pension plans for individuals; as well as registered and non-registered savings and pension plans for employee groups.

Registered retirement savings plans / Registered education savings plans

A Registered Retirement Savings Plan (RRSP) can be an effective way to benefit from tax-deferred compound interest and accumulate savings for your long-term retirement goals. If you have children, a Registered Education Savings Plan (RESP) can help you contribute to their post-secondary education.

The advantages of RRSPs and RESPs include:

• Tax-deductible RRSP contributions
• Tax deferral of compounding income and growth
• Government RESP grant is available based on family net income and amount contributed

We can help you personalize an investment portfolio based on your financial security goals, your tolerance to risk and your timeline for achieving your goals. Contact us today to take a closer look at your investment portfolio and find out how RRSPs and RESPs could be part of your financial security plan.

Segregated fund policies

Segregated fund policies are similar to mutual funds, but they’re only available through life insurance companies. Professional investment managers invest in a variety of individual securities, and the value of your policy’s units increase or decrease with the performance of the segregated funds you select. Since segregated fund policies are a form of life insurance, they have advantages for some investors.

These advantages can include:

• Ability to designate a beneficiary to bypass the estate
• Potential for creditor protection¹
• Savings on potential probate fees, if any
• Maturity and death benefit guarantees
• No trustee fees
• Lifetime income benefit option

We have access to a wide variety of segregated funds. Contact us today to find out how segregated funds could strengthen your investment portfolio.

A description of the key features of the segregated fund policy is contained in the information folder.

Any amount that is allocated to a segregated fund is invested at the risk of the policy owner and may increase or decrease in value.

^{1 Creditor protection depends on court decisions and applicable legislation, which can be subject to change and can vary from each province; it can never be guaranteed. Talk to your lawyer to find out more about the potential for creditor protection for your specific situation.}