Investments
Our proprietary analysis is an active multi-level analysis strategy with a risk management overlay. It is based on the fact that MONEY FLOW impacts SUPPLY & DEMAND which drives PRICE ACTION which determines RELATIVE STRENGTH. Using Relative Strength we are able to identify the strongest sectors of the market and the strongest investments in each of those sectors so that our clients are always invested in strength. The risk management overlay successfully gave prior warnings of the 2008 crash and the 2011 year end downturn. These warnings allow us to move clients out of the market and avoid devastating losses. Most advisors still use the Buy & Hold strategy which clearly isn’t working anymore.
Investments can play a key role in your financial security plan. For individuals, a mix of registered and non-registered savings, income and pension plans can help achieve short- and long-term goals. For employee groups, we can offer advice on registered and non-registered savings and pension plans.
- Understanding Mutual Funds
- Registered retirement savings plans and Registered education savings plans
- Segregated fund policies
- Group retirement and savings plans
- TFSAs
- Tax efficient non-registered accounts
- "Missing the best 10 days" Myth
Contact us today to find out more.
RRSPs and RESPs
A registered retirement savings plan (RRSP) has several advantages. For investors under 72, it can allow tax-deferred compound interest and help accumulate savings to achieve long-term retirement goals. It also allows for a variety of choice of specific investment options. For families with children, a registered education savings plan (RESP) can help finance post-secondary education.
Some of the advantages of RRSPs and RESPs include:
- Tax-deductible RRSP contributions
- Tax deferral of compounding income and growth
- Based on a family’s net income and the amount contributed, a government RESP grant is available
- When money is withdrawn from an RESP, the student typically pays little tax, due to a low income tax rate
Working together, we can examine RRSP and RESP investment options in order to build a customized portfolio that takes into consideration your financial security goals, tolerance to risk and timeline. Contact us today to find out more.
Segregated fund policies
In a segregated fund policy, professional fund managers invest in a variety of individual securities. Depending on the performance of the segregated funds you select, your investment’s unit values will increase or decrease.
As a form of life insurance, it’s important to note that segregated fund policies have distinct advantages for some investors. These can include:
- Potential for creditor protection
- Savings on potential probate fees
- No trustee fees
As a Financial Security Advisor, I have access to a wide variety of segregated funds. Contact us today to discuss how they might strengthen your investment portfolio, and to receive an information package about segregated funds.
Note that any amount allocated to a segregated fund may increase or decrease in value, and is invested at the risk of the policyholder.
Group retirement and savings plans
For business owners, group retirement and savings plans can play a key role in attracting and retaining quality employees.
Just like you, your dedicated employees are working towards a safe, secure future. Either provided independently or paired with group benefits, a group savings plan is a convenient, flexible and affordable way to help your employees reach their long-term financial goals.
Employees gain instant tax savings for their Group RRSP contributions, since they are made using pre-tax payroll deductions. They also receive the peace of mind that comes from knowing every month they are building towards retirement.
I can help you and your valued employees choose group retirement and savings products. We will design an investment plan tailored to fit the needs of everyone involved. Choose from products like:
- Registered retirement savings plans designed specifically for groups
- Deferred profit sharing plans
- Defined contribution pension plans
- Non-registered savings programs
Contact us today to learn about how group retirement and savings plans can benefit your business.
Tax Free Savings Accounts
The Tax-Free Savings Account (TFSA) is a flexible, registered, general-purpose savings vehicle that allows Canadians to earn tax-free investment income to more easily meet lifetime savings needs. The TFSA complements existing registered savings plans like the Registered Retirement Savings Plans (RRSP) and the Registered Education Savings Plans (RESP).
Contact us today if you are paying tax on your non-registered accounts.
Tax Efficient Non-Registered Accounts
Tax is one of the biggest anchors to investment accounts both inside a corporation and in personal accounts. Decisions made based on tax are rarely advisable so it is important to gain control of tax in order to be able to make investment decisions that make sense. Tax efficient investing allows you to defer tax until a time of your choosing and to control the type and timing of any income received from the account. By deferring tax you will increase the growth of your investments. By deferring tax you will increase the growth of your investments.
Contact us today if you are paying tax on your non-registered accounts.
