Your best investment is an investment of time taken to plan a solid financial future. The right planning will bring you financial security and help you accumulate wealth. Put time on your side with a shrewd investment soon.


Registered retirement savings plans (RRSPs) are a great way to plan ahead, and they offer many choices for specific investment options. They can allow tax-deferred compound    interest to investors under 72;  therefore helping to grow your savings and help you reach your long-term goals. 

Major Benefits to RRSPs:

  • Tax-deductible contributions
  • Tax deferral of compounding income and growth

A registered education savings plan (RESP) is great way to help finance post-secondary education. It's great for families with children, or anyone planning for education in the future.

Major Benefits to RESPs:

  • A government RESP grant is available to many based on a family's net income and the amount contributed.
  • When the student makes a withdrawal they typically pay little tax due to the low income tax rate of a student. 

Segregated Fund Policies

In a segregated fund, investments are made into various securities on your behalf by a professional fund manager. The investment’s unit values will increase or decrease depending on the performance of the segregated funds selected. Because segregated funds can be useful in accumulating wealth they can fortify your investment portfolio. 

Major Benefits:

  • Savings on possible probate fees
  • Potential for creditor protection
  • No trustee fees

* Segregated funds will increase or decrease in value, all investments are at the risk of the policyholder.

Asset Allocation

While all investments involve some risk, an asset allocation strategy attempts to diminish or balance the risk versus the reward. The theory is based on the principle that different assets perform differently, and have varying cycles of performance in different economic and market conditions. By selecting a mix of asset  classes that match the risk tolerance, goals and investment times in your financial portfolio, the return will be more stable than when investing in any one class alone.

Individual Strategy

Each client's individual strategy is unique as it is created based on the key elements of their financial profile:

  • Risk Tolerance: based inflation and interest risk, as well as on the investor's comfort level with the possibility of market fluctuations.
  • Investment Preferences: some investors prefer certain assets based on personal preference, or interests. 
  • Investment Objectives: Are the goals of the investor long-term or short-term, to fund a specific goal or achieve capital growth? These factors must be taken into consideration when choosing the right assets and classes.
  • Time Horizon: We must consider the length of time the investor has to commit the assets.
  • Taxation: mixing asset classes will create varied tax consequences.

Evolving Strategy

The one thing your financial adviser can tell you without any doubt is that the market will change. It fluctuates by the minute, and so can your portfolio; therefore it is important to regularly review your asset allocation strategy and ensure that it still reflects your goals and priorities. This is what happens in an evolving strategy, we help your investments evolve with you so that they keep working for you. 

Contact us today and we can discuss your options.