Your personal plan will be developed considering the following elements:

Savings and Investments:

• Customized for your goals and investor profile
• Future planning
• Current Lifestyle planning
• Registered retirement savings
• Tax free savings accounts
• Non-registered savings
• Registered Education Savings Plan (plus government grants)
• Registered Disability Savings Plan

Protection and Insurance:

• Income continuation in case of death, disability, or critical illness
• Money available for unplanned expenses
• Estate planning

Taxation:

• General diagnostic
• Tax efficient savings and investments
• Tax strategies for your lifetime and at death

Retirement:

• Long term goals and needs
• Risk management
• Accumulation plans
• Pay-out strategies i.e. RRIF, T- series, GIF
  

Estate:

• Transfer of assets at death
• Creating a legacy
• Charitable giving
• Settlement costs at death
• Estate evaluation

Our Services:

• Basic financial needs analysis
• Comprehensive financial plan
• Tax planning
• Retirement planning
• Estate planning
• Yearly reviews
• Newslettesr
• Education seminars and events

Your personal plan may include some of the following solutions:

• Mutual funds
• Guaranteed income funds
• Annuities
• Guaranteed Investment Certificates
• Life Insurance
• Critical Illness Insurance
• Disability Insurance
• Consulting and networking with other professionals

Mutual funds are sold through the dealer, Desjardins Financial Security Investments Inc