Investment Products

Independent wealth management advisors


We offer a wide range of investment products to help you achieve your goals. This includes IPP’s, CRA’s, RRSP’s, Guaranteed Investments, “Income for Life,” Mutual Funds, Segregated Funds, TFSA’s, etc. Let us show you what we can do for you.

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Tax Free Savings Account

A Tax Free Savings Account (TFSA) is a registered plan that allows your investments
to grow tax-free. It is available to Canadians aged 18 and over.

RRSP's, LIF's, LIRA's, Annuities

A Registered Retirement Income Fund (RRIF) is a tax-deferred retirement plan that is used to generate income from the savings you accumulated in your RRSP plan.

Registered Education Savings Plan

A Registered Education Savings Plan (RESP) is a great way of saving for your child or grandchild’s education, as the government will match each of your annual contributions by 20%.

Individual Pension Plans

The main benefits are the potentially significant sums of money that the company/corporation can use to fund the plan on behalf of the owner.

Principle Protected Notes

Principle Protected Notes are an alternative investment which is linked to a basket of stocks or equity indexes.

Mutual & Segregated Funds

A mutual collected from thousands fund is a pool of funds of investors for the purpose investing in stocks and bonds.

Investment Opportunities

Let us make sure you're well covered!

Benefits of RRSPs

Individual Pension Plans

Principle Protected Notes

Tax Free Savings Account

Mandatory RIF Minimum

What are the Benefits of RRSPs

A Registered Retirement Savings Plan was established by the government as a way of helping Canadians save for retirement. The primary benefits of an RRSP are the tax benefits it offers, as the plan allows investors to reduce their tax burden while allowing their funds to grow on a compounding basis. Think of it as enjoying tax-free growth not only on your initial investment (some of which would have gone to the government in the form of taxes), but on the growth it generates annually as well. Since there are no taxes to pay until the funds are withdrawn, it could result in your being in a lower tax bracket in retirement, whereby even less tax will be forthcoming.

What is the RRSP Limit? The annual contribution limit is 18% of one’s earned income, to a maximum of $24,930 in 2015 and $25,370 in 2016, minus any pension adjustment from a pension plan.

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Individual Pension Plans

An individual Pension Plan (IPP) is a corporate sponsored defined benefit pension plan created on behalf of one individual. The object of an IPP is to fund the maximum pension benefit permitted under the Income Tax Act. Retirement may occur between the ages of 55 and 71.

The IPP is an excellent tool for business owners and incorporated professionals wanting more retirement savings than is available through an RRSP.

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Principle Protected Notes

A principle protected note is a fixed income investment alternative. They are debt obligations of a financial institution which guarantees your principle so long as you hold the note to maturity. The return you can receive is usually linked to the performance of an index or a specific basket of stocks.

Look at it as a GIC with substantially better potential returns.

This is a great investment choice for conservative investors.

Tax Free Savings Account

A Tax Free Savings Account (TFSA) is a registered plan that allows your investments
to grow tax-free. It is available to Canadians aged 18 and over. The maximum contribution to a TFSA is $6,000 in 2019 and a total contribution of $63,500 could have been made for anyone of majority since the plan started in 2009.

The catch-up/carry forward amounts are as follows: From 2009 to 2012, the maximum contribution limit was $5,000. In 2013 and 2014 it rose to $5,500 and it rose again to $10,000 in 2015. In 2016 the amount was decreased to $5500, and it remained that way in 2017 and 2018 before rising to $6000 this year.

Be aware that withdrawals made in a calendar year will create additional contribution room the following year.

Note; Investors should NOT make new deposits to their TFSA in the same calendar year that they make a withdrawal or they will be subject to penalties for doing so.

Mandatory RIF Minimum

This is the new RIF minimum table which became effective January 1st, 2016.

You must convert your RSP by the end of the calendar year in which you turn 71. You do not have to make a withdrawal until the following year.

Click Here to See the Updated RIF Minimum Table

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Mutual funds and/or approved exempt market products are offered through Investia Financial Services Inc. (“Investia”). Mutual funds and exempt market products are sold exclusively by Representatives who are licensed by provincial regulators and registered with Investia.
Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund/exempt market product investments. Please read the Fund Fact or prospectus carefully before investing. Mutual fund and exempt market product investments are not guaranteed, their values change frequently, and their past performance may not be repeated.

Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.

Segregated fund products are offered through Investia Financial Services Inc. and/or multiple carriers.