• Personal Financial Planning
• Wealth Management
• Registered Retirement Savings Plan (RRSP)
• Registered Education Savings Plan (RESP)
• Tax Free Savings Account (TFSA)
• High Interest Savings Account
• Insurance Company Investment Products
• Risk Management
• Life Insurance
• Critical Illness Insurance
• Disability Insurance
• Long Term Care
• Travel Insurance
• Mortgage Insurance
• Property Insurance
• Auto Insurance
• Mortgage and Line of Credit
• Professional Service Referrals

Wealth Management

Each stage of your life offers unique opportunities and challenges. Our advisors will help you set up flexible investment plans to meet your changing situations and needs.

1. In the cultivation stage, we will help you to build up your net worth by using different kinds of government registered plans, such as :

   • Registered Retirement Savings Plan (RRSP) is for tax deduction and tax deferred tool
   • Registered Retirement Income Fund (RRIF) is a tax deferred tool
   • Tax Free Savings Account (TFSA) is a tax deferred tool
   • Registered Education Saving Plan (RESP) is a tax deferred tool and qualify for various government grants.

   We can help you prioritize your investments in order to achieve the best result for asset accumulation.

    

2. In the harvest stage, we will help you achieve your retirement goals. For years, your focus has been saving for retirement. You need solutions to help you transfer your hard-earned savings into income that will last your lifetime. You also need to protect your savings against three retirement risks :
   • Longevity risk
   • Market return risk
   • Inflation risk

    

3. In the retirement stage, we will help you preserve your assets and arrange wealth transfer, and reduce tax erosion as much as possible. Our advisors will introduce the best investment products for estate and tax planning, which include death benefit guaranteed, creditor protection, etc.