Individuals


There isn’t a ‘one-size-fits-all’ solution to financial planning. Together we design customized financial solutions consistent with each client’s short and long term needs and goals.

Our services for individuals include:

  • Investment Planning
  • Retirement savings plans (RRSPs and RRIFs)
  • Education savings plans (RESPs)
  • Tax free savings accounts (TFSAs)
  • Non-registered investment accounts
  • Guaranteed investment certificates (GICs)
  • Annuities

The materials listed below may be helpful in understanding key concepts related to the products and services we provide. Please note that these documents are provided courtesy of Sun Life Assurance Company of Canada, and do not represent the views of, or apply to, the other companies whose products we offer.

Investment Planning

(Retirement Planning & Education Savings Plans RRSPs/RESP’s)

Remember what they say about the best-laid plans? Life can take unexpected turns, and an adaptable financial plan means you are able to go with the flow. We will help you create a strong financial plan that can be modified according to your current and future position.

As your life grows and changes, so should your investments. As you move through life, it’s important to stop and reassess your financial plan along the way, incorporating new goals and lifestyle changes. We will work with you to create a balanced portfolio of investment options to help you to reach both your short-term and long-term financial goals.

RSP Investment Calculator
http://www.ci.com/web/learningcentre/calculator.jsp?lang=ENG

Estate Planning & Generational Asset Transfer

You’ve worked hard for what you have, not only for your own benefit but also for others as well.

Unfortunately, poor estate planning often results in a great deal of tax payable to the federal government.

We can help to ensure a smooth transfer of wealth, with minimum taxes and delays, to maximize the benefit you leave to your loved ones or charities of your choice.

Individual Investment Shelter (120 KB pdf)
Investing in life insurance can maximize the estate you leave to your heirs.

Estate Planning Guide (1 MB pdf)
The Estate Planning Guide covers a range of topics related to the efficient planning and transferring of business and personal assets.

Insurance and Risk Management

The biggest joys in life also create the biggest responsibilities.  Marriage, children and home ownership create financial obligations that can become a burden in the event of the death of a family member.

Life Insurance can help to ensure that your family will not be faced with added stress such as funeral costs, debt, estate taxes and selling a home. The right insurance strategy can provide loved ones with financial security for years to come

Asset Protection Plan (323 KB pdf)
Preserve your assets for your beneficiaries by using an exempt life insurance policy to pay taxes due on death.

Critical Illness & Disability Insurance

When a crisis hits your family and you realize that you need coverage, it’s usually too late to get it. Worrying about finances only adds to the stress. With the right Life Insurance and Living Benefits strategy you can relax knowing that proceeds and income replacement will be available when needed.

Faced with an aging population, the Canadian Medical system is becoming more and more overwhelmed. Long wait times following a diagnosis may threaten your chances of a successful treatment. A settlement from a Critical Illness policy could allow you to seek otherwise unaffordable medical options abroad, pay for expensive medication not covered by your provincial or private health insurance, or fund an extended leave of absence for a loved-one to assist in care and recovery.

Plans made today provide peace of mind in knowing that you and your loved ones are protected in the event of critical illness or premature death.

Stop Loss with CII (172 KB pdf)
Critical illness insurance can help protect your retirement savings and preserve your lifestyle.

Long Term Care

The probability is high that at some point in your life you may need to enter a long term care facility or receive special medical care in your home.

With the benefit that comes from long term care insurance, you can ensure that you have the financial means to fund the standard and quality of care you desire and deserve when you need it most.

 

* If there is a product or service you require that isn’t listed here, please let us know. In the event that we can’t assist you directly, we will refer you to a qualified professional that can.