Solutions

We have access to a full range of solutions and services to implement your financial plan. Whether it’s investments, insurance or savings rates, we can survey many financial service providers to find the right product for your need.

Asset Management Retirement accounts (RRSP, RRIF) Tax-Free Savings Account (TFSA) Education Savings Plan (RESP) Disability Savings Plan (RDSP) Mutual funds Customized portfolios Stocks and bonds Segregated funds GICs and high interest savings

Debt Management Borrowing strategies Debt reduction plans Access to home equity line-of-credit Access to RRSP loans

Estate & Insurance Planning Term life insurance Permanent or whole life insurance Universal life insurance Disability Critical illness Long-term care Life annuities Guaranteed income-for-life (GMWB) products Buy-sell agreements Health and travel insurance Health Spending Account

Income Tax Planning Tax review and analysis Corporate Class funds Resource flow-through Limited Partnerships Charitable giving (donor advised funds) Tax preparation

Using borrowed money to finance the purchase of securities involves greater risk than using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. A homeowner who withdraws equity from their home to purchase securities should fully understand this risk.