INVESTMENTS

Wealth
​Management

​Mutual Funds
Segregated Funds
High Interest Savings Accounts
Guaranteed Interest Contracts (GIC)

Plans for individuals, couples, families, and employers.
Preferred pricing and lower fees available for high net worth accounts 
Get Focused on Your Short and Long Term Savings
  1. Start off by creating a plan. 
  2. Make sure to set goals (realistic & optimistic ones)
  3. Check for tax efficiencies. What account is best for your savings plan (TFSA's vs RRSP's vs your bank account)?  
  4. Next, just start saving. The earlier the better!  Help yourself out by looking at each purchase as a want or a need.  
  5. Set-up regular contributions.  This will get you in a positive pattern. Start little & grow from there.​
  6. Lastly, review and update. Review with your advisor and always be open to changes in your situation.
It is not necessary to do extraordinary things to get extraordinary results.

- Warren Buffet

Plans

Registered Retirement Savings Plan
(RRSP)
Help save for your future. This is your self-made pension plan. Contributions are tax-deductible.
RRSPs can be used for:
  • A first time Home Buyers’ Plan (HBP)
  • Pay for your education through the Lifelong Learning Plan (LLP)
Tax-Free Savings Account
(TFSA)
Commonly looked at as a savings vehicle for your short-term goals.  Save for a home, car, or a vacation.
TFSA savings goes in after-tax and comes out after-tax.
Locked-In Retirement Account
​(LIRA)
Pension from a previous employment.  

If you leave your employer you can take your pension with you. 
Registered Education Savings Plan
​(RESP)
Post secondary education can be expensive. Get some help by utilizing the Government of Canada's grants, to help you build your children's or grandchildren's education savings with an RESP.
Registered Disability Savings Plan
​(RDSP)
Disabled persons in Canada are now eligible to apply for grants through the RDSP from The Government of Canada. This type of account is established to help a disabled person save for the long-term. 
Registered Retirement Income Fund
​(RRIF)
Ready for retirement? Once you transition in to retirement and are needing an Income Stream from your personalized Financial Plan your RRSP will transfer in to a RRIF. Only the income withdrawn out of the account will be considered income.
Life Income Fund
​(LIF)
A past employers pension registered in a LIRA will convert to a LIF in retirement or income needed years. LIFs have more restrictions on the income you may take from them than a RRIF.
Non-Registered Account (OPEN)
Non-registered accounts are commonly referred to an OPEN plan. These can be account In-Trust for children or other individuals or simply held by the individual. They are 'open' to taxation on any growth but loses can be used for tax purposes. Always speak to your accountant regarding these types of strategies.
Group Plans
Some employers create Group Plans instead of traditional pension plans with employees. This can give the employee more flexibility and control over their own account. 
*Subject to personal contribution room. Talk to your advisor to find out more.

Authorized Providers

And more
 *Not all available providers listed above
​Mutual funds, exempt market products and exchange traded funds are offered through Investia Financial Services Inc. (“Investia”). Mutual funds, exempt market and exchange traded funds products are sold exclusively by Representatives who are licensed by provincial regulators and registered with Investia. Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund, exempt market product and exchange traded fund investments. Please read the Fund Fact sheet or prospectus carefully before investing. Mutual fund, exempt market product investments and exchange traded funds are not guaranteed, their values change frequently, and their past performance may not be repeated.
Segregated fund products are offered through by PPI Management Inc., a national licensed insurance marketing organization that supports independent advisors with their business, and through multiple insurance companies. PPI Management Inc. is an independent and separate company from Investia Financial Services Inc. 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.