Investment Management
We specialize in providing expert investment management services tailored to your unique financial goals. Our team of seasoned professionals combines years of industry experience with in-depth knowledge of the market to help you navigate the complex world of investments.
What We Offer
Personalized Approach
We understand that each individual has distinct financial aspirations and risk tolerances. Our advisors work closely with you to develop a customized investment strategy that aligns with your objectives, whether you're planning for retirement, saving for a major purchase, or building wealth.
Risk Management
Preserving and growing your wealth requires a keen focus on risk management. We employ sophisticated tools and strategies to help protect your investments from market volatility, ensuring a smoother journey towards your financial goals.
Comprehensive Portfolio Management
Our experts utilize a diversified and disciplined approach to portfolio management. We carefully select a mix of investment options, including stocks, bonds, mutual funds, and more, to create a well-balanced portfolio that aims to optimize returns while managing risk.
Transparent Communication
Communication is key to a successful partnership. We provide regular updates on your portfolio's performance, conduct thorough reviews, and are always available to address your questions or concerns.
Market Insights
Keeping up with the dynamic North American financial landscape is crucial. Our advisors stay up-to-date with market trends, economic indicators, and regulatory changes to make informed decisions on your behalf. We strive to capitalize on opportunities while minimizing potential pitfalls.
Financial Education
We believe that informed investors make better decisions. As part of our commitment to your financial well-being, we offer educational resources, workshops, and one-on-one consultations to enhance your understanding of investment principles and strategies.
Account Types
In Canada, there are several types of registered and unregistered investment accounts that offer tax advantages and help individuals save and invest for various financial goals.
Registered Retirement Savings Plan (RRSP):
An RRSP is a popular tax-advantaged account designed to help Canadians save for retirement. Contributions to an RRSP are tax-deductible, meaning they can reduce your taxable income for the year. The investments within the RRSP grow tax-free until withdrawal, at which point they are taxed as income. RRSPs are subject to contribution limits based on your earned income.
Tax-Free Savings Account (TFSA):
A TFSA is a versatile account that allows you to save and invest money tax-free. Contributions to a TFSA are not tax-deductible, but any earnings and withdrawals from the account are generally tax-free. TFSA contribution room accumulates each year and is not tied to earned income. This account is suitable for various financial goals, such as saving for short-term needs, emergencies, or long-term investments.
Registered Education Savings Plan (RESP):
An RESP is designed to help parents and guardians save for their children's post-secondary education. Contributions to an RESP are not tax-deductible, but the investments grow tax-free until withdrawn. When the beneficiary enrolls in post-secondary education, the accumulated funds (contributions and earnings) can be withdrawn to cover educational expenses, and any applicable taxes are paid by the student, often resulting in lower taxation.
Registered Disability Savings Plan (RDSP):
An RDSP is designed to help members of the disability community save for their retirement. People who hold the disability tax credit are eligible to open an RDSP and make non-tax deductible contributions to the plan. Based on the income of the account holder, government bonds and grants may be available to match contributions or supplement the contributions. Account holders have until the year they turn 59 to make contributions. Withdrawals from the RDSP contributions are not considered income, however investment income earned from any Canada disability savings bonds and Canada disability savings grants as well as the proceeds of rollovers are included in the beneficiary's income for tax-purposes when paid out from an RDSP.
Registered Retirement Income Fund (RRIF):
An RRIF is a financial vehicle designed to provide retirees with a steady stream of income during their retirement years. It is a tax-deferred account that allows individuals to convert their Registered Retirement Savings Plan (RRSP) savings into a source of retirement income.
Locked-In Retirement Account (LIRA) and Life Income Fund (LIF):
These accounts are designed to manage funds from employer-sponsored pension plans or other locked-in accounts. They provide individuals with control over investments while maintaining restrictions on withdrawals to ensure the funds are used for retirement income.
Pooled Registered Pension Plan (PRPP):
PRPPs are employer-sponsored retirement savings plans that allow employees, as well as self-employed individuals, to contribute to a pooled investment fund. PRPPs are designed to offer lower-cost pension options, particularly for small and medium-sized businesses.
Registered Pension Plan (RPP):
An RPP is an employer-sponsored pension plan that provides retirement benefits to employees. Contributions made by both the employer and the employee are typically tax-deductible. The pension income received during retirement is subject to taxation.
Non-Registered Investment (Non-Reg):
A non-registered investment is any investment account which is not one of the accepted account types which fall under the CRA. A non-registered investment account does not provide any inherent taxation benefits, and generally all investment gains will be considered a taxable event. While non-registered accounts are primarily used when account holders have already maximized the use of their registered accounts, a non-reg investment can still be structured in such a way so as to provide taxation benefits through intricate investment planning.
Our Investment Partners
DISCLAIMER: Any reference to Investments, Investment Funds, Investment Planning, Retirement Planning, Financial Planning, Markets, RRSPs, RRIFs, Locked in Accounts, Non-Registered Accounts, TFSAs RESPs, RRSP Loans, Leverage Loans, Wealth Creation or Asset Accumulation, is not related to the sale of Mutual Funds.
