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Financial Planning Overview

There is more to building a Financial Plan than simply putting money aside or choosing appropriate investments. Whether you’re building wealth, saving for higher education, planning your retirement, buying or selling a business, investing an inheritance or pondering your legacy, you need a comprehensive financial approach – one that looks not only at your investment strategy, but tax ramifications, risk tolerance, insurance coverage, loans and non-financial assets like real estate or personal property.

Our Financial Advisors will help you evaluate your overall financial situation and craft a plan designed to achieve your long-term goals. Whatever your needs, resources, and goals, we use a full range of professional services and tools to help bring your financial future into focus.
Your financial future requires clear direction, a detailed plan, and a dynamic team. Coupled with comprehensive technology that manages, aggregates, reports and consolidates all your wealth in a central location Financial Planning is a powerful tool custom-tailored to your exact specifications, complete with detailed recommendations to help achieve your life goals.

Estate Planning
Child Education
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Estate Planning

An estate is not just a home or physical belongings, it represents all the financial assets that can be passed on to charity or loved ones when you die. It may include: a family business, a cottage, a pension, a bank account and more. A carefully considered estate plan helps ensure these assets are distributed according to the wishes of the deceased and their beneficiaries.
For example, if you’re going to be an executor (or liquidator in Quebec) of your parents’ estate, you’ll want to ensure it is protected and that there is cash available when you need to pay taxes and final expenses.

Why do an estate’s assets need protection?
The value of your parents’ estate can be eroded by legal fees and taxes. If their money is invested in equities, the amount remaining when they die could be less than their initial investment. You also need to consider inflation.

How can you protect an estate?
We offer Estate Protection segregated fund policies that feature the potential for growth and protection against market risk and inflation, while bypassing unnecessary taxes. These unique segregated fund policies include built-in guarantees of up to 100 per cent of the principal investment, minus fees and withdrawals.* As insurance products, the payout from these segregated fund policies would be passed directly to your parents’ beneficiaries.

What are the benefits?
Estate Protection segregated funds offer these benefits:

  • One hundred per cent of the death benefit goes directly to the chosen beneficiaries*
  • No intermediary costs
  • No unnecessary taxes
  • Choice of death benefit: lump-sum payout or income stream (annuity) • Estate matters remain private**

* Guarantees are less a proportional reduction for withdrawals, including taxes, short-term trading fees and any other applicable charges. In addition to the 100 per cent death benefit guarantee for premiums applied to the policy prior to age 91, estate protection policies provide a maturity benefit guarantee, which is 75 per cent of your premiums applied to the policy prior to age 91. The youngest annuitant must be at least age 80 and no more than age 90 at the time the policy is issued.

** In Saskatchewan, executors must disclose all known life insurance policies owned by the deceased, including segregated fund policies. They must list the insurance company, policy number, designated beneficiaries and the value at the date of death.

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Child Education

Registered education savings plan (RESP)
Save for education with government grants. If you have children or grandchildren, you want them to have every advantage. Setting aside money for their post-secondary education opens doors for them, and a registered education savings plan (RESP) can help you save more, faster.

The first $2,500 you contribute each year gets a 20% matching contribution from the federal government*—a guaranteed return on your investment. In addition, you don’t pay tax every year on the growth of your investments. Instead, the money you would have paid in taxes continues to grow inside the plan. When your children or grandchildren are eligible** to start receiving the money to pay for tuition, books, computers, residence, meal plans, transportation and more, they pay the tax—generally at a much lower rate than you would have paid.

* Up to the maximum Canada Education Savings Grant (CESG) of $7,200 for each child available up to the end of the year that the child turns 17 (there are eligibility restrictions in the year a child is turning 16 and 17).

**Eligibility requirements apply for education assistance payments.

Start early
You can open an RESP as soon as a child has a social insurance number; the longer your investments enjoy tax-deferred growth, the better.

Set up regular contributions
This makes saving for education routine and easy.

Get higher returns and less risk
With a diversified portfolio designed to meet your personal goals.

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