Achieve Your Goals
Investments can play a key role in your financial security plan. A mix of registered and non-registered savings, income, and pension plans can help individuals achieve short and long-term goals. For employee groups, I can offer advice on registered and non-registered savings and pension plans.
RRSPs and RESPs
A registered retirement savings plan (RRSP) has several advantages. For investors under 72, it can allow tax-deferred compound interest and help accumulate savings to achieve long-term retirement goals. It also allows for a variety of choice of specific investment options. For families with children, a registered education savings plan (RESP) can help finance post-secondary education.
- Tax-deductible RRSP contributions
- Tax deferral of compounding income and growth
- Based on a family’s net income and the amount contributed, a government RESP grant is available
- When money is withdrawn from an RESP, the student typically pays little tax due to a low-income tax rate
Working together, we can examine RRSP and RESP investment options to build a customized portfolio that considers your financial security goals, tolerance to risk, and timeline. Contact us today to find out more.
Segregated Fund Solutions
In a segregated fund policy, professional fund managers invest in a variety of individual securities. Depending on the performance of the segregated funds you select, your investment’s unit values will increase or decrease.
As a form of life insurance, it’s important to note that segregated fund policies have distinct advantages for some investors. These can include:
- Potential for creditor protection
- Savings on potential probate fees
- No trustee fees
As a Life and Health Insurance Advisor, I have access to a wide variety of segregated funds. Contact us today to discuss how they might strengthen your investment portfolio and receive an information package about segregated funds.
Note that any amount allocated to a segregated fund may increase or decrease value and is invested at the policyholder's risk.
Contact us today to understand the benefits of segregated funds.
Group Retirement And Savings Plans
For business owners, group retirement and savings plans can play a key role in attracting and retaining quality employees.
Just like you, your dedicated employees are working towards a safe, secure future. Either provided independently or paired with group benefits, a group savings plan is a convenient, flexible, and affordable way to help your employees reach their long-term financial goals.
Employees gain instant tax savings for their Group RRSP contributions since they are made using pre-tax payroll deductions. They also receive the peace of mind that comes from knowing every month they are building towards retirement.
I can help you and your valued employees choose group retirement and savings products. We will design an investment plan tailored to fit the needs of everyone involved. Choose from products like:
- Registered retirement savings plans designed specifically for groups
- Deferred profit-sharing plans
- Defined contribution pension plans
- Non-registered savings programs
As a financial planner at DFSIN and DFSI, I look forward to meeting you and understanding your goals and needs.
As a professional in the field of insurance and investments, my understanding of people's goals and aspirations has created a lasting bond over two decades. The key to their success has been my passion for excellence.