Products/Services/Insurance

Managed Portfolios – "Others manage – you delegate"

For investors willing to direct the day-to-day investment decisions to qualified money managers. An all-inclusive fee allows these professionals to implement and make timely changes to your portfolio as needed without seeking approval from you each time.

· Lifepoints Investment Program

With Lifepoints Portfolios, you retain an exclusive blend of top money managers selected by an industry pioneer and a uniquely packaged investment strategy designed to perform consistently over the long term. Click for more information

· Sovereign Investment Program

The Sovereign Investment Program^TM combines our personalized service with the sophisticated research of the Frank Russell Company. Together we will determine your investment goals and risk tolerance, and then select the select the right blend of Sovereign investment pools for your portfolio. Click for more information.

· Parameters Portfolio Program

Parameters gives you access to the experience and resources of RBC Asset Management Inc one of Canada’s foremost Investment Managers. Normally, most individual investors access this calibre of investment management through mutual funds and pooled investments. Parameters go further by offering the advantages of direct ownership of the securities in your portfolio. Rather than buying units in an investment pool or mutual fund, you actually own the individual securities in your parameters portfolios. This approach – called – segregated discretionary management – provides you with much greater flexibility and several important tax advantages. Click for more information

· Access Manager Selection Program

Successful individuals often lack the time to properly manage their financial interests, which is why we created the Access Management Selection Program. Enrollment in Access allows you to benefit from the additional guidance and insight of a chosen group of investment specialists from among 40 world-class portfolio management firms. Click for more information.

Advisory Portfolios – "You manage - with our advice"

For investors willing to make or approve day-to-day investment decisions with the added benefit of professional advice. This can be done on a “commission per transaction basis” or a "regular fee" basis. For active investors, commission based accounts often act as a deterrent in the achievement of their investment objectives. The all inclusive management fee of your Advisor Account allows you to implement and make adjustments to your portfolio as needed without having to factor in the effect of commission on the transaction. Click for more information.

· GIC’s

With 30 companies to choose from competitive rates can be sought after and applied to a tailored laddering strategy. With my advice in constructing this ladder (staggered maturity dates) you will protect yourself from interest rate fluctuations, maximise your return and retain liquidity. Click for a selection of rates.

· Mutual Funds

With over 2,000 mutual funds to choose from, finding the ones appropriate for your needs can be an ordeal. We've eliminated the guesswork with the ongoing development of a list of Recommended Funds to base your purchase decisions on. Click for more information.

· Exchange Traded Funds (ETF’s)

ETF’s are a revolutionary way to obtain exposure to a variety of markets. Like stocks, they are liquid, easy-to-use and “tradeable.” Like mutual funds, they offer the benefit of diversification and market tracking. The fees are substantially less than most traditional mutual funds and offer an excellent way to achieve the optimal asset allocation in your portfolio.

· Principal Protected Notes

PPN’s are fixed income securities that guarantee a minimum return equall to the investors initial investment (the principal amount). These investments are tailored for risk averse investors wishing to protect their investment while participating in gains from favourable market movements.

· Stocks and Bonds

Disciplined investing is the logic behind our Guided Portfolios. Following the findings of our team of researchers and portfolio strategists ensures that your portfolio is always comprised of top-flight stocks and laddered bonds directed by our most current investment outlook. Click for info on stocks. Click for info on bonds/fixed Income

Retirement Planning

Though it's impossible to predict what tomorrow may bring, having a solid retirement strategy is the best way of ensuring that you lead the retirement lifestyle of your choice. Whether you're just starting to plan for the future or are looking to enjoy the savings of a lifetime, I can help. Click for more information.

Estate and Wealth Protection

Acquiring and effectively managing wealth is the first challenge. Protecting it is the second. Our commitment to helping you with your estate and wealth protection needs ensures that you will always have wealth during your lifetime and an appropriate legacy upon your passing. Click for more information.

Business Planning

Responsibility for the success of a thriving business entails making appropriate financial decisions. We have a vast array of products and services that were designed with your business planning needs in mind. If you're looking for strategies to help your business grow or protect it from the unexpected, we have you covered. Click for more information.

Individual Insurance Solutions

A solution for your personal needs

We understand that creating and effectively managing your wealth is just part of the equation. It's also important to preserve it. Through the use of insurance strategies, we can help you preserve your wealth during your lifetime, and protect the value of your estate for your family and other beneficiaries. Insurance strategies can also help you maximize the wealth you transfer to your heirs.

Estate Creation and Preservation
You can offset costs that are incurred at death and preserve your estate by having insurance proceeds pay them for you. Taxes, liabilities, estate-related and other future costs can all be offset by your permanent insurance coverage. By taking advantage of the preferred status of Tax-Exempt Life Insurance, you can maximize the value of your assets and maximize the value being transferred to the next generation. Living Benefits insurance is also vital to estate preservation, by ensuring funds are available should you require them at a time of illness.

Tax Minimization
Tax-exempt insurance can eliminate the annual taxes you pay on your investment growth, as well as those payable when you die. Individuals tired of being punished for strong earnings may appreciate this Tax-Protector opportunity. The long-term value of these products is that their earnings can often greatly eclipse what would otherwise be earned through regular investing.

Estate Maximization and Protection
If part of your portfolio is held in GICs, Canada Savings Bonds or a bank account, you have probably never given a second thought to market fluctuations. Sticking to a conservative investment strategy can lead to peace of mind in the short term, but it may put you at risk in the long run. Essentially, you risk outliving your retirement savings. Generally speaking, one way to ensure that you have enough money to meet your retirement needs is to diversify your portfolio. You can get the security of a GIC and the performance potential of the stock market without needlessly risking your hard-earned savings with Segregated Funds.

Income Enhancement
Certain solutions using insurance products can provide a supplemental stream of cash, thereby Enhancing Retirement Income. The net income derived from this strategy may be significantly higher than what is achievable with traditional fixed income vehicles, especially during times of low interest rates.

Corporate Insurance Solutions

A solution for your corporate needs

Every day, you make crucial business decisions affecting the financial health of your business organization. And you know how important it is to have the best possible services and products to help effectively manage your finances. Making the right financial decisions is a big responsibility - and we can help.

Some of the best opportunities for small corporations, including holding companies, come from using tax-exempt life insurance. It is a tax-efficient means of transferring wealth out of a corporation into the hands of the next generation when you pass away.

Through an Investment Advisor, you will have access to a vast array of products and services geared towards the needs of businesses and corporations. An important part of preparing your business for continued success is to prepare it for the unexpected. Your Investment Advisor has access to a wide array of business protection strategies:

Funding Buyout Agreements
In the case of partnerships, the death or disability of one partner can have a devastating effect on the survival of a business. Insurance can provide an excellent method of funding buyout agreements so that the remaining partner takes full control of the business and the surviving family is properly compensated.

Shared Ownership
For companies who wish to retain top employees, the shared ownership of a permanent insurance policy can be an attractive opportunity. It protects the company against the death of the employee, and motivates that person to remain with the firm through the enticement of an attractive, low-cost retirement asset. This arrangement can create a win-win situation for everyone.

Minimizing Corporate Taxes
If corporate assets are invested in fixed income, then an insurance strategy can not only reduce its taxable income but it will lower the value of the business by the amount of the investment, thereby reducing the inevitable capital gains tax liability.

Maximizing Corporate Assets
By taking advantage of tax-deferred growth inside a Universal Life or Whole Life policy, corporate assets can avoid accrual taxation and grow to a much greater value than if they were invested in a regular account. Not only that, but upon death, most, if not all, of the proceeds can be paid out of the corporation tax-free. Ordinarily they would be paid out as taxable dividends, requiring approximately one third of the value to be paid in taxes.

Executive Life Insurance Planning
Executive life insurance enables you to provide managers and executives with a supplementary benefit package. In this instance, both you and your executive purchase a tax-exempt life insurance policy with your executive named as the insured. Both of you will share the benefits. This form of insurance provides protection for an executive's family, while you benefit from an investment offering tax-deferred growth.

Business Succession Planning
A business succession plan can help protect your business when an owner-shareholder retires or passes away. Elements of a successful business succession plan include buy-sell agreements, a Will and powers of attorney.

A buy-sell provision is a shareholder agreement that allows for the orderly transfer of shares in the event of disability, death or retirement of a shareholder. Upon the death of a shareholder, the buy-sell agreement generally instructs the corporation to purchase the shares of the deceased. Insurance is a cost-effective way of providing the necessary funds to carry out those instructions.

Key Person Insurance
Many companies, public or private, large or small, often rely on the skills and contributions of a single person. Proficient with all levels of the firm's operations, respected by staff and trusted by clients, such key individuals play a crucial role in the company's success. The sudden departure of a key person can create a void, difficult, if not near impossible and costly, to fill. Taking out life insurance on the key person, or people, in your organization can help mitigate these costs.