Wealth Management
Wealth Management
Grow, Protect, and Preserve Your Wealth for the Future.
Wealth management is about more than just investing—it’s about creating a financial plan that aligns with your life goals, protects your assets, and ensures long-term stability. We offer expert guidance and investment solutions tailored to your needs, including segregated funds and registered investment accounts.
Segregated Funds
Segregated funds are investment products offered by insurance companies that combine growth potential with unique protection features.
Benefits Include:
- Maturity and death benefit guarantees (75%–100% of your original investment)
- Potential creditor protection
- Bypassing probate for faster estate settlement
- Access to a variety of investment options and risk levels
Ideal For:
Investors who want market growth potential with added security and estate planning advantages.
Registered Retirement Savings Plan (RRSP)
An RRSP helps you save for retirement while reducing your taxable income today. Contributions are tax-deductible, and investments grow tax-deferred until withdrawal.
Benefits Include:
- Tax-deductible contributions
- Wide range of investment options
- Tax-deferred growth until retirement
- Ability to withdraw for first-time home purchase (Home Buyers’ Plan) or education (Lifelong Learning Plan)
Ideal For:
Individuals focused on building retirement savings while enjoying immediate tax benefits.
Tax-Free Savings Account (TFSA)
A TFSA allows your investments to grow tax-free, and withdrawals are also tax-free—making it a flexible savings tool for both short-term and long-term goals.
Benefits Include:
- Tax-free investment growth and withdrawals
- No impact on eligibility for government benefits
- Flexible withdrawals at any time
- Annual contribution limits set by the government
Ideal For:
Anyone wanting flexible, tax-free savings for any purpose—emergencies, vacations, or retirement.
First Home Savings Account (FHSA)
The FHSA is designed to help Canadians save for their first home by combining the benefits of an RRSP and TFSA.
Benefits Include:
- Tax-deductible contributions (like an RRSP)
- Tax-free withdrawals for purchasing your first home (like a TFSA)
- Annual and lifetime contribution limits
- Can be combined with the Home Buyers’ Plan for more purchasing power
Ideal For:
First-time homebuyers looking to save faster with tax advantages.
Registered Retirement Income Fund (RRIF)
A RRIF provides a steady income in retirement by converting your RRSP savings into regular withdrawals.
Benefits Include:
- Flexible withdrawal schedules (subject to minimums)
- Continued tax-deferred growth on remaining investments
- Customizable investment choices to suit your needs
- Estate planning benefits when structured properly
Ideal For:
Retirees who want to turn their savings into income while maintaining investment growth potential.
Why Choose Us for Wealth Management?
Tailored investment strategies for your goals and risk tolerance
Access to top-performing segregated funds and registered plans
Expert advice on tax-efficient investing and retirement planning
