Investments can play a key role in your financial security plan. For individuals, a mix of registered and non-registered savings, income and pension plans can help achieve short- and long-term goals. For employee groups, I can offer advice on registered and non-registered savings and pension plans.

• Registered retirement savings plans and Registered education savings plans
• Segregated fund policies
• Mutual funds
• Group retirement and savings plans

RRSPs and RESPsTOP

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.

Some of the advantages of RRSPs and RESPs include:

• 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• When money is withdrawn from an RESP, the student typically pays little tax, due to a low income tax rate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 in order to build a customized portfolio that takes into consideration your financial security goals, tolerance to risk and timeline. Contact us today to find out more.

Segregated fund policiesTOP

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

I have access to a wide variety of segregated funds. Contact us today to discuss how they might strengthen your investment portfolio, and to receive an information package about segregated funds.

Note that any amount allocated to a segregated fund may increase or decrease in value, and is invested at the risk of the policyholder.

Mutual fundsTOP

Mutual funds can be a key component of a diversified investment portfolio. Managed by professional investment managers, mutual funds allow individual investors with common objectives and risk profiles to pool their savings in a portfolio of investments. This allows for an investment portfolio that is diversified among different companies and industries in Canada and around the world. Advantages of this strategy include:

• Liquidity
• Diversification
• Potential for increased returns
• Expertise of professional investment managers
• Increased purchasing power from pooled savings

Contact me to access products that are offered by leading mutual fund dealers. I will work with you to build a portfolio tailored to your financial security needs and goals.

Learn more about how mutual funds can build your financial security plan—contact me today.

Always remember the importance of careful decision-making when choosing investments. Before investing, carefully read through a mutual funds’ prospectus for important information about mutual funds. Remember that commissions, trailing commissions, management fees and expenses may all be associated with mutual fund investments. Mutual funds are not guaranteed, and since their values change frequently, past performance may not be repeated. Investment returns and unit values will fluctuate.

Group retirement and savings plansTOP

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

Contact us today to learn about how group retirement and savings plans can benefit your business.