Investment, Retirement and Estate Solutions

No one has retirement plans exactly like yours. No two people have the same goals and aspirations. The problem is, you know where you want to go, but you’re not sure how your savings will get you there. After all, in today’s uncertain world, how do you choose between so many investment products? How do you balance the volatility and growth potential of equities, against the security but limited growth of fixed income investments? And once you’ve made your investment decision, do you have the time and expertise to track your portfolio, fine tuning along the way?

When you retire, you need a regular, reliable source of income to accommodate your chosen lifestyle. Retirement income plans such as RRIFs, LIFs and LRIFs can meet this need.

If you earn a high income and have maximized your contributions to your RRSPs and company pension plans, the retirement income that will come from these plans will likely be insufficient for your lifestyle needs. By using a tax-exempt universal life insurance contract, investment assets can grow within the life insurance policy on a tax-sheltered basis. In retirement, you can use the policy as collateral for a bank loan. Loan proceeds are tax-free. On your death, the life insurance proceeds are used to pay off the loan. You leverage the value of the policy to fund your retirement lifestyle, on a tax-free basis.

If you have accumulated wealth in the form of income earning non-registered investments, you pay substantial taxes annually on the investment income being earned. Here again, by using a tax-exempt universal life insurance contract, investment assets can grow within the life insurance policy on a tax-sheltered basis. The death benefit, including the investment fund, can be paid after the death of the life insured and passed to your beneficiaries tax-free.

Like other Canadians, you are looking forward to achieving your financial goals. As an individual, you have unique financial objectives and needs. We can offer you a savings or investment plan that recognizes your individuality.

We offer a full range of financial solutions from the safety and security of Term Funds to Segregated Funds, Mutual Funds, Exchange Traded Funds, and High Networth Solutions. These products can all be tailored to fit your goals inside Registered or Non-registered Plans. You can invest in term funds, segregated funds and mutual funds within a registered or not registered plan. Registered plans include RRSPs, Locked-in RRSPs, LIRAs and TFSA’s. And, when you are ready to convert to a retirement income plan, you can choose from RRIFs, LIFs LRIGs or annuities.

Mutual funds are offered through DFS Investments Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values will change frequently and past performance may not be repeated.

For more information on our Retirement Solutions, click here.

For more information on our investment products, contact us.