YOUR DREAMS. YOUR LIFE. SIMPLIFIED. YOUR DFSIN ADVISOR: BECAUSE EVERYTHING IS POSSIBLE.

Size: px
Start display at page:

Download "YOUR DREAMS. YOUR LIFE. SIMPLIFIED. YOUR DFSIN ADVISOR: BECAUSE EVERYTHING IS POSSIBLE."

Transcription

1 YOUR DREAMS. YOUR LIFE. SIMPLIFIED. YOUR DFSIN ADVISOR: BECAUSE EVERYTHING IS POSSIBLE.

2 Before silencing your phone for your meeting, you put it on the desk to show the person you ve come to see some photos from your most recent trip. You re already planning the next one! But you have other plans, too. You talk about the future, kids, career, mortgage, retirement, all the things you dream of doing, the people who depend on you and the things that worry you. You also talk about the investments that give you peace of mind and security. Your host listens carefully and responds with some ideas. Makes some calls. Suggests approaches. Everything becomes simpler, and possible. For a minute, you even have the impression that she is more passionate about it than you are. That s normal. She s your DFSIN advisor. YOUR DFSIN* ADVISOR: BECAUSE EVERYTHING IS POSSIBLE. A DFSIN financial services advisor is a professional who can guide you in your financial choices, analyze your situation and present a strategy to help you reach your goals while offering protection from life s unexpected challenges. 1EXPERTISE 1DFSIN advisors are fully accredited and skilled professionals. They can give you advice that is right for your unique situation, whatever it may be. Focusing on your needs, your values and your priorities, your advisor develops a comprehensive plan using a variety of appropriate investment and insurance solutions. 2 OBJECTIVITY DFSIN advisors are impartial; they are not tied to specific products or companies. They have access to investment products from more than 80 fund companies** and insurance products from nearly 20 leading insurers. Your advisor makes objective recommendations and, out of the thousands of financial products available, selects the ones that will best meet your specific needs. 3RELEVANCE Your advisor is continually updating his knowledge of the financial security field. By keeping up with the latest developments on the economic front, he can provide you with advisory services tailored not only to your situation but also to evolving market conditions and financial products. Your advisor will regularly send you relevant information that you may find interesting. 4 FAMILIARITY All DFSIN advisors know their clients well. That s how they can help clients make informed choices and look to the future with confidence and peace of mind. Your advisor is a member of your community who understands where you re coming from. * DFSIN stands for Desjardins Financial Security Independent Network. ** Only mutual fund representatives associated with Desjardins Financial Security Investments Inc. have access to mutual funds.

3 SOLUTIONS FOR EVERY STAGE OF YOUR LIFE Your DFSIN advisor will help you prepare a financial security plan that can evolve over the 2years as your needs change. WHAT ARE YOUR PRIORITIES TODAY? WHAT WILL THEY BE TOMORROW? Reduce your tax bill Organize your personal finances Save for retirement Finance a personal project, a trip, a sabbatical Protect your family s standard of living from unexpected events Shelter your loved ones from the costs and consequences of a loss of independence Facilitate the transfer of your estate to your heirs Financial planning is a way of engaging different mechanisms to help you achieve all your goals, regardless of your situation. COMPONENTS OF A COMPREHENSIVE PERSONAL PLAN PERSONAL FINANCE Budget planning Debt management Project financing INSURANCE Life insurance Living benefit plans INVESTMENTS Investment policy, investor profile and periodic reviews Second opinion on portfolio Improving net worth Systematic personal saving Use of loans to leverage investments TAX PLANNING General assessment Tax analysis of investment portfolios Tax strategies during lifetime, after death, or with foreign assets Government programs RETIREMENT Planning for goals and needs Risk management Accumulation strategies Pay-out strategies LEGAL CONSIDERATIONS Will and living will Marriage or civil union contract ESTATE PLANNING Transfer of assets upon death Testamentary trusts Estate inventory Estate tax assessment

4 FINANCIAL PRODUCTS FOR EACH OF YOUR PRIORITIES Your DFSIN advisor makes use of a variety of financial products to put all the components of your plan to work. MAKE YOUR PLANS AND YOUR DREAMS COME TRUE Investment products to help you save for retirement or for a project that s important to you. INVESTMENT PRODUCTS Term investments Guaranteed investment funds Mutual funds* FLEXIBLE, TAX-EFFICIENT PLANS ACCUMULATION PLANS Tax-Free Savings Account (TFSA) Registered Education Savings Plan (RESP) Registered Retirement Savings Plan (RRSP) Locked-in Retirement Account (LIRA) Individual Pension Plan (IPP) PAY-OUT PLANS Registered Retirement Income Fund (RRIF) Life Income Fund (LIF) Locked-in Retirement Income Fund (LRIF) SAFEGUARD THE QUALITY OF LIFE FOR YOU AND YOUR LOVED ONES Insurance products to provide capital or income in the case of an accident, death or health problems, and products to optimize your retirement income. Life insurance Disability insurance Critical illness insurance Long-term care insurance Life annuity * Mutual funds are distributed through Desjardins Financial Security Investments Inc.

5 A WHOLE WORLD CONTRIBUTING TO YOUR SUCCESS THROUGH YOUR DFSIN ADVISOR, YOU HAVE A VAST NETWORK WORKING TO SERVE YOU, AND YOU BENEFIT FROM THE STRENGTH OF ONE OF CANADA S LARGEST FINANCIAL INSTITUTIONS. All DFSIN advisors are members of the extended family of Desjardins Financial Security Independent Network. They are also backed by the expertise of the multidisciplinary team at their financial centre, a valuable source of skillful, knowledgeable support. They always have access to specialists who can complement their own expertise, particularly in such areas as law, taxation, estate planning and accounting. But above all, your advisor s work aligns with the core missions of Desjardins, the largest cooperative financial group in Canada: protecting the interests of members and clients by offering them profitable and secure financial products and services. Because for Desjardins, it s all about people. FINANCIAL SECURITY INVESTMENTS INC. A financial services firm offering over 3,000 mutual funds from more than 80 companies, along with a range of associated products and services. YOUR DFSIN ADVISOR YOU DFSIN FINANCIAL CENTRE FINANCIAL SECURITY INDEPENDENT NETWORK Together with SFL Partner of Desjardins Financial Security in Quebec, a network of over 1,500 independent advisors and partner firms, and more than 40 financial centres. GROUP The largest cooperative financial group in Canada. $212 billion in assets. Ranks as second strongest financial institution in the world (Bloomberg, 2014). INSURANCE 1 A leading Canadian financial institution. Over five million clients in Canada. Over 3,900 employees. More than $36 billion in assets under management. OPTIINSURANCE An insurance broker offering access to products from approximately 20 insurance providers. 1 Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company, a provider of life and health insurance and retirement savings products. Figures as of December 31, 2013.

6 SOLUTIONS FOR EVERY STAGE OF YOUR LIFE. BECAUSE EVERYTHING IS POSSIBLE. Registered trademark owned by Desjardins Financial Security 14147E02 (14-07)

YOUR DREAMS. YOUR LIFE. SIMPLIFIED. YOUR SFL ADVISOR: BECAUSE EVERYTHING IS POSSIBLE.

YOUR DREAMS. YOUR LIFE. SIMPLIFIED. YOUR SFL ADVISOR: BECAUSE EVERYTHING IS POSSIBLE. YOUR DREAMS. YOUR LIFE. SIMPLIFIED. YOUR SFL ADVISOR: BECAUSE EVERYTHING IS POSSIBLE. Before silencing your phone for your meeting, you put it on the desk to show the person you ve come to see some photos

More information

Transferring wealth Effective strategies for the typical Canadian

Transferring wealth Effective strategies for the typical Canadian Transferring wealth Effective strategies for the typical Canadian KEEPING IT IN THE FAMILY You ve worked a lifetime to accumulate assets. In fact, the average Canadian family has amassed total personal

More information

TO HELP YOU MAKE THE MOST OF YOUR RETIREMENT DAYS

TO HELP YOU MAKE THE MOST OF YOUR RETIREMENT DAYS RETIREMENT GUIDE TO HELP YOU MAKE THE MOST OF YOUR RETIREMENT DAYS Whether it s a long-term project or a dream that s about to come true, you likely have no shortage of ideas to fill up this exciting period

More information

PERSONAL INVENTORY OF ASSETS. For an easier transfer of your wealth

PERSONAL INVENTORY OF ASSETS. For an easier transfer of your wealth PERSONAL INVENTORY OF ASSETS For an easier transfer of your wealth PERSONAL INVENTORY OF ASSETS Are you planning your estate? Would you like to give your loved ones everything they need to manage your

More information

Preparing for the retirement you want

Preparing for the retirement you want Preparing for the retirement you want You deserve an enjoyable retirement Retirement is one of life s most significant events. It marks the transition to a new and very wonderful stage of life. You will

More information

Making the right choice

Making the right choice GROUP RETIREMENT SAVINGS SOLUTIONS Simply let our experts guide you Desjardins & Co. Making the right choice Reference Guide for Employers Group Retirement Savings Products At Desjardins Group, we excel

More information

Donnez-vous les moyens de réaliser vos projets. An investment solution in tune with your needs

Donnez-vous les moyens de réaliser vos projets. An investment solution in tune with your needs Donnez-vous les moyens de réaliser vos projets An investment solution in tune with your needs Melodia Portfolios So much more than an investment solution You ve got obligations, and money just keeps slipping

More information

financial planning & advice

financial planning & advice financial planning & advice Tips for successful investing. Start early and invest regularly Do your homework take the time to become an informed investor Develop an investment strategy you are comfortable

More information

> A Lifetime of Financial Security and Peace of Mind

> A Lifetime of Financial Security and Peace of Mind > A Lifetime of Financial Security and Peace of Mind Insurance solutions to meet your personal and business needs ASSANTE ESTATE AND INSURANCE SERVICES INC. Introducing Assante Estate and Insurance Services

More information

Life s brighter under the sun. Sun Life Financial and you

Life s brighter under the sun. Sun Life Financial and you Life s brighter under the sun Sun Life Financial and you It s your financial future. We can help. When it comes to your money, you want to make sure you do the best you can with what you have. With good

More information

The Family Inventory

The Family Inventory The Family Inventory RBC Wealth Management RBC Wealth Management provides comprehensive services designed to address your multi-faceted financial concerns, simplify your life, give you the freedom to pursue

More information

Expert resources to meet your wealth management needs. RBC Wealth Management Services

Expert resources to meet your wealth management needs. RBC Wealth Management Services Expert resources to meet your wealth management needs RBC Wealth Management Services Much of the expertise that you would normally expect to only find within a Family Office is now available through your

More information

Protect your business and enhance your financial security. Business Insurance Strategies

Protect your business and enhance your financial security. Business Insurance Strategies Protect your business and enhance your financial security Business Insurance Strategies Ensure your financial security There are often distinct advantages to being a significant shareholder in a private

More information

Your Guide to Retirement Income Planning

Your Guide to Retirement Income Planning Your Guide to Retirement Income Planning Your Guide to Retirement Income Planning 3 Your retirement income plan How to create secure income in retirement Your retirement will be as unique as you are. Travel,

More information

MEMBER RETIREMENT INCOME OPTIONS Achieve Your Retirement Dreams

MEMBER RETIREMENT INCOME OPTIONS Achieve Your Retirement Dreams MEMBER RETIREMENT INCOME OPTIONS Achieve Your Retirement Dreams Achieve Your Retirement Dreams With a Registered Retirement Income Fund (RRIF) Wise Ways to Make the Most of Your Money Now that you re getting

More information

Transamerica Layered Insurance Strategy. It doesn t matter where your story begins

Transamerica Layered Insurance Strategy. It doesn t matter where your story begins Transamerica Layered Insurance Strategy It doesn t matter where your story begins it only matters where you re going. Imagine your life if things never changed. If everything stayed exactly as it is today.

More information

Introducing. Tax-Free Savings Accounts

Introducing. Tax-Free Savings Accounts Introducing Tax-Free Savings Accounts Tax-Free Savings Accounts A new way to save Tax-free savings accounts were introduced by the federal government in the 2008 budget as an incentive for Canadians to

More information

Wealth Management Essentials for Oil and Gas Professionals

Wealth Management Essentials for Oil and Gas Professionals Wealth Management Essentials for Oil and Gas Professionals Presented By Sean Baylis Investment Advisor Disclaimer Flow-through investments may not be suitable for all investors. Please read the prospectus

More information

To simplify matters for my loved ones in the event I become incapacitated or die, I am preparing an inventory of my assets and important documents.

To simplify matters for my loved ones in the event I become incapacitated or die, I am preparing an inventory of my assets and important documents. Personal Record of My Assets and Important Documents Personal Inventory of My Assets and Important Documents To simplify matters for my loved ones in the event I become incapacitated or die, I am preparing

More information

LEAVING YOUR EMPLOYER SHOULD YOU COMMUTE YOUR PENSION PLAN?

LEAVING YOUR EMPLOYER SHOULD YOU COMMUTE YOUR PENSION PLAN? LEAVING YOUR EMPLOYER SHOULD YOU COMMUTE YOUR PENSION PLAN? Mackenzie Tax & Estate Planning In past years when an individual changed employers, it was pretty much an accepted practice to leave their defined

More information

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning Imagine Your Future Set YourGoals Chart Your Course The Importance of Financial Planning Ask yourself these questions: Financial Planning Provides Direction and Discipline It s important to know where

More information

Retirement Planning Your Retirement Transition Plan

Retirement Planning Your Retirement Transition Plan Retirement Planning Your Retirement Transition Plan Planning Your Retirement Picture Your Perfect Retirement What do you want your retirement to look like? The definition of retirement has changed. Today,

More information

1892 Founding. 2003 Expansion in wealth management. 2008 Expansion in individual disability insurance. 2013 Expansion in private wealth management

1892 Founding. 2003 Expansion in wealth management. 2008 Expansion in individual disability insurance. 2013 Expansion in private wealth management ia Financial Group Company Profile Data as at December 31, Description of ia Financial Group ia Financial Group (Industrial Alliance Insurance and Financial Services Inc.) is an insurance and financial

More information

Deciphering Life Insurance Options: How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings

Deciphering Life Insurance Options: How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings 1 Many people think of life insurance as something they ll need when they get a bit older and want to ensure their loved

More information

Retirement income. Disbursement products Annuities, RRIFs and LIFs

Retirement income. Disbursement products Annuities, RRIFs and LIFs Retirement income Disbursement products Annuities, RRIFs and LIFs Disbursement products Make the most of your new lifestyle without financial worries For years now, you have been saving to build retirement

More information

PLANNING BEYOND TODAY. A Three-Point Approach to Your Business s Success

PLANNING BEYOND TODAY. A Three-Point Approach to Your Business s Success PLANNING BEYOND TODAY A Three-Point Approach to Your Business s Success The MetLife Premier Client Group (MPCG) knows how hard you work for your business and we want to make sure your business is working

More information

Are you ready to retire?

Are you ready to retire? Are you ready to retire? RETIREMENT PLANNING YOUR GUIDE TO THE FUTURE YOU WANT You ve been thinking about retirement for a while now. As the time approaches, this guide can help you address the key decisions

More information

Financial Planning. at Janney Montgomery Scott

Financial Planning. at Janney Montgomery Scott Financial at Janney Montgomery Scott W e a l t h M a n a g e m e n t Your life consists of stages. We see it and help you plan for it as a continuous timeline. Financial at Janney Montgomery Scott Living

More information

Personal inventory of assets and important documents

Personal inventory of assets and important documents savings and Guaranteed Investment Funds Protecting your estate Personal inventory of assets and important documents To simplify matters for members of a family, in the event one of them becomes incapacitated

More information

personal retirement account Give your client s retirement plan some real leverage

personal retirement account Give your client s retirement plan some real leverage personal retirement account Give your client s retirement plan some real leverage A retirement savings strategy using universal life insurance Here s the story Janet is 40 and a partner in a large law

More information

Administration and Service Fees

Administration and Service Fees Administration and Service Fees Administration and Service Fees ScotiaMcLeod offers a wide range of services to assist you in meeting your investment needs. This brochure outlines service fees which may

More information

RETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT

RETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT RETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT This document has been prepared for use by RBC Dominion Securities Inc.* and RBC DS Financial Services Inc., (collectively, the Companies ). The

More information

ALL To g e Th e R. DIFFe Re NT.

ALL To g e Th e R. DIFFe Re NT. ALL To g e Th e R. DIFFe Re NT. At Acorn Financial Services, our dedicated, knowledgeable, and experienced team of financial professionals strives to meet the needs of our business, individual, and family

More information

F O R Y O U R F A M I L Y

F O R Y O U R F A M I L Y FOR YOUR FAMILY Your partner or loved ones will face many decisions upon your death. We hope this brochure makes it easier for them to make those decisions then and easier for you to talk with them about

More information

Early Retirement Strategies

Early Retirement Strategies If you or a member of your family is facing a permanent lay-off, voluntary early retirement or forced early retirement, there are many important decisions to be made decisions that can have a significant

More information

LIFE, HEALTH AND DISABILITY INSURANCE ADVISORY SERVICES

LIFE, HEALTH AND DISABILITY INSURANCE ADVISORY SERVICES LIFE, HEALTH AND DISABILITY INSURANCE ADVISORY SERVICES Every stage of your life will have its share of happy (and sometimes unexpected) events. Maybe you re: Having a child Saving up for your long-term

More information

CONNECTION. BIG picture. ...and see the MAKE THE CONNECTING INVESTMENT ADVICE INVESTMENT ADVICE WEALTH PROTECTION REAL SOLUTIONS

CONNECTION. BIG picture. ...and see the MAKE THE CONNECTING INVESTMENT ADVICE INVESTMENT ADVICE WEALTH PROTECTION REAL SOLUTIONS CONNECTION MAKE THE INVESTMENT ADVICE WEALTH PROTECTION REAL SOLUTIONS...and see the BIG picture with with Money for Money Life for Life CONNECTING INVESTMENT ADVICE with wealth protection solutions Scotia

More information

Wealth Management Retirement Income Layering

Wealth Management Retirement Income Layering Wealth Management Retirement Income Layering Alan Rowell, MFA, DFA-Tax Services Specialist President, The Accounting Place Agenda Retirement Planning with the End in Mind Sources of Retirement Income Control

More information

private client managed portfolios

private client managed portfolios private client managed portfolios Simplify, preserve and enhance. Your wealth is the cumulative result of your hard work, discipline, and astute management. Yet the opportunities it affords may also come

More information

Your guide to the Tax-Free Savings Account

Your guide to the Tax-Free Savings Account INVESTMENTS Tax-Free Savings Account Your guide to the Tax-Free Savings Account An important part of any financial plan is savings. Short-term goals such as a vacation or long-term goals like retirement

More information

Table of Contents. Page 2 of 10

Table of Contents. Page 2 of 10 Page 1 of 10 Table of Contents What is an RRSP?... 3 Why should you put money into an RRSP?... 3 When should you start an RRSP?... 3 The convenience of regular RRSP deposits... 3 How much can you contribute?...

More information

Investor Guide. RRIF Investing. Managing your money in retirement

Investor Guide. RRIF Investing. Managing your money in retirement Investor Guide RRIF Investing Managing your money in retirement 1 What s inside It s almost time to roll over your RRSP...3 RRIFs...4 Frequently asked questions...5 Manage your RRIF...8 Your advisor...10

More information

pensions backgrounder #4

pensions backgrounder #4 pensions backgrounder #4 Private Retirement Savings Part 4 in a Series The full series of pension backgrounders are contained in the National Union s Pensions Manual, Fourth Edition available from the

More information

Guide. For advisor information only. B2B Bank Dealer Services

Guide. For advisor information only. B2B Bank Dealer Services Guide For advisor information only B2B Bank Dealer Services About us B2B Bank Dealer Services is one of Canada s largest carrying dealer organizations, providing account administration, clearing and settlement,

More information

Business Transition. Planning. By: Sophie Lalonde, B.A.A., CIM, FCSI, CSWP Investment Advisor

Business Transition. Planning. By: Sophie Lalonde, B.A.A., CIM, FCSI, CSWP Investment Advisor Business Transition Planning By: Sophie Lalonde, B.A.A., CIM, FCSI, CSWP Investment Advisor sophie.lalonde@cibc.ca Agenda What is business transition planning? Why work with CIBC Wood Gundy? The business

More information

Financial Planning: Personal Guide & Checklist

Financial Planning: Personal Guide & Checklist Financial Planning: Personal Guide & Checklist Securities Priscilla Monteith, CPA, CGA, CFP Certified Financial Planner Monteith Financial Group Manulife Securities Incorporated Stephanie Piroli, BAccS,

More information

Retirement. Income. your way

Retirement. Income. your way Retirement. Income. your way YOUR GUIDE TO SUNFLEX RETIREMENT INCOME Life s brighter under the sun Table of contents Introduction... 3 The five retirement risks... 4 Money for Life... 5 Product Overview

More information

TAX-FREE SAVINGS ACCOUNT (TFSA)

TAX-FREE SAVINGS ACCOUNT (TFSA) TAX-FREE SAVINGS ACCOUNT (TFSA) DO YOURSELF A FAVOUR! Like paying less tax? Don t we all! And just think of what you could do with the extra money: Travel the world Take time off work Retire early Spoil

More information

Life insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security

Life insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security Shedding light on Life insurance a practical guide to helping you achieve a lifetime of financial security Learn more about: Safeguarding your loved ones Protecting your future Ensuring your dreams live

More information

The right plan is the one that can accomplish what matters to you. Dominique Vincent, MBA, CIM Vice President, Portfolio Manager

The right plan is the one that can accomplish what matters to you. Dominique Vincent, MBA, CIM Vice President, Portfolio Manager The right plan is the one that can accomplish what matters to you. Dominique Vincent, MBA, CIM Vice President, Portfolio Manager A clear and simple financial plan: the key to peace of mind. Your family

More information

TRANSFERRING Inventory of assets. The importance of informing others of your intentions

TRANSFERRING Inventory of assets. The importance of informing others of your intentions TRANSFERRING Inventory of assets The importance of informing others of your intentions This tool will help you pass on important information about yourself to the people you re close to. The information

More information

Advisor Marketing Guide MANULIFE INVESTMENTS GIC

Advisor Marketing Guide MANULIFE INVESTMENTS GIC Advisor Marketing Guide MANULIFE INVESTMENTS GIC More than your typical GIC More choice and flexibility for your clients 2 Manulife Investments Innovative features that out-perform competitors The Manulife

More information

Specialized Content for Investment Advisors Marketing Tools

Specialized Content for Investment Advisors Marketing Tools Specialized Content for Investment Advisors Marketing Tools Table of Contents INTRODUCTION... 2 OUR APPROACH... 2 What we will do for you: Understand, Plan, Act and Monitor... 3 THE NATIONAL BANK FINANCIAL

More information

C o n v e r t i n g Y o u r H o m e s E q u i t y i n t o C a s h

C o n v e r t i n g Y o u r H o m e s E q u i t y i n t o C a s h R E V E R S E M O R T G A G E S E R V I C E S C o n v e r t i n g Y o u r H o m e s E q u i t y i n t o C a s h 2010 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 6-10 From your

More information

F O R Y O U R F A M I L Y

F O R Y O U R F A M I L Y FOR YOUR FAMILY Your partner or loved ones will face many decisions upon your death. We hope this brochure makes it easier for them to make those decisions then and easier for you to talk with them about

More information

4Needs your WHAT S AFTER? ELIMINATE DEBT THE FEWER DEBTS, THE BETTER! Wills and Trusts; Reviewing These Are a Must

4Needs your WHAT S AFTER? ELIMINATE DEBT THE FEWER DEBTS, THE BETTER! Wills and Trusts; Reviewing These Are a Must YOUR SOURCE FOR RETIREMENT PLANNING AND POSSIBILITIES e > N xt WHAT S AFTER? But first, some things to think about before 4Needs your retirement income should meet ELIMINATE DEBT THE FEWER DEBTS, THE BETTER!

More information

Protect your family s legacy with estate planning

Protect your family s legacy with estate planning RBC Life Insurance Company Protect your family s legacy with estate planning RBC Guaranteed Investment Funds What is estate planning and who should consider it? Your estate is the sum of your lifetime

More information

Invest. Tax-Free (It will make you smile) Tax-Free Savings Account

Invest. Tax-Free (It will make you smile) Tax-Free Savings Account Invest. Tax-Free (It will make you smile) Tax-Free Savings Account A Saving & Investing Revolution The Tax-Free Savings Account (TFSA) is considered to be the most important personal savings plan introduced

More information

TIAA Individual Advisory Services. Personalized financial advice for every stage of life

TIAA Individual Advisory Services. Personalized financial advice for every stage of life TIAA Individual Advisory Services Personalized financial advice for every stage of life Personalized solutions for your financial independence Find an advisor today. Go to tiaa.org/ individualadvisoryservices

More information

Your guide to the Tax-Free Savings Account

Your guide to the Tax-Free Savings Account INVESTMENTS Tax-Free Savings Account Your guide to the Tax-Free Savings Account An important part of any financial plan is savings. Short-term goals such as a vacation or long-term goals like retirement

More information

GROUP LIFE INCOME FUND (LIF) FOR MCGILL FACULTY & STAFF

GROUP LIFE INCOME FUND (LIF) FOR MCGILL FACULTY & STAFF GROUP LIFE INCOME FUND (LIF) FOR MCGILL FACULTY & STAFF MY GROUP LIF/RIF PLAN... IN BRIEF At the earlier of your retirement date and attaining age 65, you will be eligible to start receiving a retirement

More information

Unlocking Life s Possibilities

Unlocking Life s Possibilities Unlocking Life s Possibilities Introducing a new perspective on life From home to work to retirement, the path of life is full of changing needs, dreams, happy moments, surprises and sometimes, unpredictable

More information

YOUR CREDIT UNION PARTNER

YOUR CREDIT UNION PARTNER YOUR CREDIT UNION PARTNER Our focus on you is in everything we do Providing value, solving business challenges and delivering products and services to meet your needs: it s what we do. At CUMIS, we are

More information

Income Protection. Pillar Series

Income Protection. Pillar Series Pillar Series Income Protection La Capitale: a leader in the insurance and financial services industry La Capitale Financial Security is a member company of the La Capitale Financial Group. La Capitale

More information

Your Home s Equity Can Give Retirement Life a Boost. 2013 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 1-13

Your Home s Equity Can Give Retirement Life a Boost. 2013 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 1-13 R E V E R S E M O R T G A G E S O L U T I O N S Your Home s Equity Can Give Retirement Life a Boost 2013 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 1-13 From your first savings

More information

Retirement Planning. Rich Widdifield, CFP Financial Planner Assante Capital Management Ltd.

Retirement Planning. Rich Widdifield, CFP Financial Planner Assante Capital Management Ltd. Retirement Planning Rich Widdifield, CFP Financial Planner Assante Capital Management Ltd. Pension Government Benefits Estate Planning Retirement Planning Tax Planning Risk Management Cash Flow Management

More information

All the answers you need

All the answers you need For representatives use only JANUARY 2015 All the answers you need Savings products sales guide Inside: Quick reference guide on our savings products Desjardins Insurance refers to Desjardins Financial

More information

Retirement income. LifeAnew A deferred life annuity that s 100% guaranteed for life

Retirement income. LifeAnew A deferred life annuity that s 100% guaranteed for life Retirement income LifeAnew A deferred life annuity that s 100% guaranteed for life LifeAnew Maintain your standard of living when you retire If you are between the ages of 40 and 60 and you want to plan

More information

helping you HBL Group llc navigate life s Insurance & Financial Services changes

helping you HBL Group llc navigate life s Insurance & Financial Services changes HBL Group llc Insurance & Financial Services navigate life s changes helping you Behaviors are beliefs turned into action and are what deliver results. About HBL HBL was founded with the idea in mind that

More information

TAX, RETIREMENT & ESTATE PLANNING SERVICES. Registered Retirement Savings Plan (RRSP) THE FACTS

TAX, RETIREMENT & ESTATE PLANNING SERVICES. Registered Retirement Savings Plan (RRSP) THE FACTS TAX, RETIREMENT & ESTATE PLANNING SERVICES Registered Retirement Savings Plan (RRSP) THE FACTS Table of contents What is an RRSP?... 3 Why should I contribute to an RRSP?... 4 When can I contribute?...

More information

Your guide to Canada Life s participating life insurance. Estate Achiever Wealth Achiever

Your guide to Canada Life s participating life insurance. Estate Achiever Wealth Achiever Your guide to Canada Life s participating life insurance Estate Achiever Wealth Achiever This guide provides an overview of key features of participating life insurance products offered by Canada Life.

More information

Reuter Benefits Group Plan Member Newsletter September 2009

Reuter Benefits Group Plan Member Newsletter September 2009 Reuter Benefits Group Plan Member Newsletter September 2009 Accessing Your Retirement Savings As you approach retirement, you will need to turn your Pension and RRSP, as well as any nonregistered savings,

More information

Credit Protection Insurance. Protection covering all your financing needs

Credit Protection Insurance. Protection covering all your financing needs Credit Protection Insurance Protection covering all your financing needs Credit Protection Insurance Achieve your financial goals with peace of mind! You ve just been approved for the financing you need

More information

National Bank Strategic Portfolios. A Sound Investment

National Bank Strategic Portfolios. A Sound Investment National Bank Strategic Portfolios A Sound Investment 03 What are the Strategic Portfolios? Six portfolios designed to meet the needs of six different investor profiles. Optimal diversification by asset

More information

Protecting Your Loved Ones Every Step of the Way

Protecting Your Loved Ones Every Step of the Way Protecting Your Loved Ones Every Step of the Way Gerber Life Insurance Company Gerber Life Insurance Company, White Plains, NY 10605 5/10/2011 Gerber Life Insurance Company is a financially separate affiliate

More information

Retirement Enhancer. A tax-efficient way to enhance your retirement income using universal life insurance

Retirement Enhancer. A tax-efficient way to enhance your retirement income using universal life insurance Retirement Enhancer A tax-efficient way to enhance your retirement income using universal life insurance Will you have enough retirement income to fulfil your dreams? Today, many of us are living longer

More information

Saving for retirement with a 403(b) plan

Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan 2 Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan Retirement can be a welcome turning point in your life a time to enjoy hobbies,

More information

> The Role of Insurance in Wealth Planning

> The Role of Insurance in Wealth Planning > The Role of Insurance in Wealth Planning Executive retirement solutions A S S A N T E E S T A T E A N D I N S U R A N C E S E R V I C E S I N C. Executive retirement solutions Everyone wants enough retirement

More information

Unlocking the value of whole life

Unlocking the value of whole life An Educational Guide for Individuals Unlocking the value of whole life Whole life insurance as a financial asset Insurance Strategies Contents 3 Whole life insurance: A versatile financial asset 4 Providing

More information

LIFE INSURANCE. for the WEALTHY The myth-busting benefits

LIFE INSURANCE. for the WEALTHY The myth-busting benefits APRIL 2014 LIFE INSURANCE for the WEALTHY The myth-busting benefits KEY INSIGHTS: 1. Insurance can help preserve affluent lifestyles 2. Permanent life insurance can protect or enhance financial capital

More information

Lifetime income benefit

Lifetime income benefit Canada life segregated Funds Lifetime income benefit Guarantee your income for life Grow income don t allow it to decrease Financial strength and stability Canada Life, founded in 1847, was Canada s first

More information

welcome to desjardins the leading cooperative financial group in canada

welcome to desjardins the leading cooperative financial group in canada welcome to desjardins the leading cooperative financial group in canada 04 welcoming you. guiding you. making your life easier AT DESJARDINS, WE CAN HELP YOU BECOME SETTLED IN CANADA. WE VE CREATED THIS

More information

THE PARTIAL MANDATE. As the name suggests, a partial mandate is a mandate for clients who do not need complete integrated financial planning.

THE PARTIAL MANDATE. As the name suggests, a partial mandate is a mandate for clients who do not need complete integrated financial planning. THE PARTIAL MANDATE What is a partial mandate? As the name suggests, a partial mandate is a mandate for clients who do not need complete integrated financial planning. How to proceed with a partial mandate

More information

GIVE YOUR CLIENTS A RAISE, LONG AFTER THEY RETIRE

GIVE YOUR CLIENTS A RAISE, LONG AFTER THEY RETIRE GIVE YOUR CLIENTS A RAISE, LONG AFTER THEY RETIRE The executive retirement account A strategy using exempt life insurance. Here s the story Robert, 45, is the owner-manager of ABC Manufacturing (ABC) and

More information

SSQ PRIVATE WEALTH MANAGEMENT

SSQ PRIVATE WEALTH MANAGEMENT SSQ PRIVATE WEALTH MANAGEMENT SSQ Financial Group is an organization that is made up of people who respect our core values, people who are passionate about their jobs and people whose first priority is,

More information

G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855

G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855 G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855 G. Schroeder, Financial Advisor at Morgan Stanley As the financial world becomes more complex

More information

DISCOVER YOUR FINANCIAL NEEDS

DISCOVER YOUR FINANCIAL NEEDS DISCOVER YOUR FINANCIAL NEEDS Financial Needs Pyramid Tax shelters Asset accumulation Loans/mortgage Short-term cash flow Insurance n life, general, disability, will, living will, POA Protection is to

More information

Registered Retirement Income Funds

Registered Retirement Income Funds Registered Retirement Income Funds Registered Retirement Income Funds Most Canadians are familiar with registered retirement savings plans (RSPs). Many spend decades accumulating wealth in these tax deferred

More information

1) GENERAL INFORMATION

1) GENERAL INFORMATION 1) GENERAL INFORMATION IDENTIFICATION Name : Occupation: Citizenship: Social Insurance number: Medicare number: Date of birth: PROFESSIONAL INFORMATION Employer s name: Date of commencement of employment:

More information

Guaranteed Protection Universal Life. Discover What s Possible

Guaranteed Protection Universal Life. Discover What s Possible Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life

More information

THE DESJARDINS ADVANTAGE 2015 ANNUAL REPORT AT A GLANCE DESJARDINS FINANCIAL SECURITY

THE DESJARDINS ADVANTAGE 2015 ANNUAL REPORT AT A GLANCE DESJARDINS FINANCIAL SECURITY THE DESJARDINS ADVANTAGE 2015 ANNUAL REPORT AT A GLANCE DESJARDINS FINANCIAL SECURITY 2015 HIGHLIGHTS Record net income of $448.4 million, up $153.4 million over 2014 Net insurance and annuity premiums

More information

THE TAX-FREE SAVINGS ACCOUNT

THE TAX-FREE SAVINGS ACCOUNT THE TAX-FREE SAVINGS ACCOUNT BY READING THIS DOCUMENT, YOU WILL: Know the different features of the TFSA Master the differences between a contribution to an RRSP or a TFSA Identify target clienteles. Last

More information

Investor Profile Questionnaire

Investor Profile Questionnaire Investor Profile Questionnaire Making the right investment choice about your universal life investment portfolio always starts with an understanding of your personal goals and objectives. Working with

More information

CHAPTER 2: THE CANADIAN SECURITIES INDUSTRY

CHAPTER 2: THE CANADIAN SECURITIES INDUSTRY CHAPTER 2: THE CANADIAN SECURITIES INDUSTRY Topic One: Industry Overview 1. Self-regulatory Organizations (SROs). A. The SROs set rules that govern the operations of investment dealers and market activity.

More information