OUR SERVICES
RRSP, TFSA, RRIF, LIRA
There are a lot of acronyms in the financial services industry, simple ways to express some very complicated ideas. Knowing which ones will help you most is the role of a financial planner, because none of them are perfect for every person. The right products can accelerate growth, secure gains, control expenses, protect earnings, or whatever combination your situation requires.
Retirement Planning
Retirement Planning
What does your retirement look like? Retirement today is very different from previous generations. We’re still active, from charitable organizations to side projects to home renovations. We’re on a beach, on a cruise, or on a trip to Broadway with our grandkids. A careful retirement plan will put you in the financial position to make the most of life’s third act.
PENSION TRANSFERS
Pension Transfers
When you’re considering a new employment opportunity, the last concern you should have is your pension. A proper pension transfer ensures the value you’ve built up in one position is readily moved to your new position, carrying your earned wealth forward. We’ll help you check to see if this is an available option for you, and guide you through the process.
WHAT IS A PENSION TRANSFER AGREEMENT?
A Pension transfer agreement (PTA) permits you to increase your pension assets by transferring an amount equivalent to the actuarial value of the benefits earned in respect of your pensionable service credits under your former employer’s pension plan to your new employer’s pension plan.
When you cease to be employed by one employer and become employed and a participant to the pension plan of your current employer you may be eligible to transfer your pensionable service credit to your new pension plan. A PTA is one method to accomplish such a transfer. In order to participate in such an arrangement, a PTA must have been signed between the Government of Canada and an outside employer. Agreements are negotiated on behalf of the Government of Canada by the Policy and Advisory Services Division of the Government of Canada pension centre.
See the full breakdown (Government of Canada Link)
Life insurance
LIFE INSURANCE
Having life insurance can be the simplest decision for your financial portfolio. You are the single most important asset you will ever have, after all. Choosing the right kind of coverage, however, is far more complicated. It’s not enough to have life insurance tailored to your needs; you need bespoke coverage.
CRITICAL ILLNESS insurance
Critical Illness insurance
A sudden illness can quickly derail a lifetime’s plan. You can’t avoid a sudden, short-term health shock but your financial future doesn’t have suffer. It’s an easy safeguard to put in place, especially during your peak earning years. A little forethought will keep the bills at bay while you focus on your recovery.
DISABILITY insurance
DISABILITY insurance
Best laid plans. Sometimes all the detailed planning in the world is made useless by a fundamental life change. When it happens enough to be a centuries-old phrase, we shouldn’t be surprised when it happens. With the right planning, you won’t be taken by surprise. We’ll have the option at hand for you to tack to a new course quickly.
Calculation Resources
Get ahead of your goal planning. Knowing what you want out of you money comes first. Let us worry about the other steps.