Some of the Financial Products we offer include:

• High Interest Savings Account
• Guaranteed Investment Certificates – (GICs)
• RRSPs & RRIFs
• Annuities

High Interest Savings Account

This is a full service bank account that earns high interest on every dollar with no minimum required. Finally, you have a bank account that pays you to save. Your money is easily accessible by ABM, telephone or internet banking channels. Here is a great alternative to your regular branch banking.

Guaranteed Investment Certificates (GICs), RRSPs & RRIFs

If you are getting your GIC’s through your local bank, you may be settling for a lower rate. For those clients who want to invest in guarantees, we compare the rates from over 40 of Canada’s largest banks, trust companies and insurance companies on a daily basis. All institutions are covered under CDIC or Assuris.

We also offer a wide range of segregated funds for our clients who prefer to invest in the markets. All of these products are eligible for both RRSP’s and RRIF’s.

Many of these products offer creditor protection for estate planning.

Annuities

When you are planning for retirement, you have to consider the real possibility that you will spend as much time living off of your savings than you did working. An annuity will provide you with a consistent stream of income without having to worry about market conditions. An annuity payment is a combination of a return of capital and interest. The taxation of an annuity depends if the funds are registered or non registered.

Life Annuity

This type of annuity will pay you for as long as you live. It can be purchased on a single life or joint life basis. Your life annuity can include a guaranteed number of payments to protect against a premature death and an indexing provision to guard against inflation.

Term Certain Annuity

This type of annuity will pay for a specific period of time. Once this period is over, your payments will stop and the annuity contract will end.

Prescribed Annuity

Offers preferential tax treatment if you invest non registered funds. Combined with life insurance, a prescribed annuity will create a superior guaranteed investment.

Impaired Annuity

An annuity where payments are increased due to an individual’s medical history.