Investments
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, I can offer advice on registered and non-registered savings and pension plans.
Investments
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- When money is withdrawn from an RESP, the student typically pays little tax, due to a low-income tax rate.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.
Investments
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.
Investments
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.
what we do?
We would love the opportunity to become your trusted advisor.
Family and business planning
Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; Donec velit neque, auctor sit amet aliquam vel, ullamcorper sit amet ligula.
Wealth Management
Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; Donec velit neque, auctor sit amet aliquam vel, ullamcorper sit amet ligula.
Mortgage services
Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; Donec velit neque, auctor sit amet aliquam vel, ullamcorper sit amet ligula.
Products and services
include:
- Portfolio Assessment and Performance Analysis
- Investment Management and Consultation
- Risk Evaluation
- Stocks, Bonds, Mutual funds, Certificates of Deposit and U.S.Treasuries Securities
- Cost Assessment & Management
- Optimization of Asset Allocation
- Complex Investment Strategies
- Evaluation of Employer Sponsored Retirement Plans
- 401(k) and 403(b) Rollover Considerations
- Individual Retirement Accounts (Traditional and ROTH)
- Roth IRA Conversions
- Group Retirement and Savings Plans
Not Limited to
- Simplified Employee Pension Plans
- Qualified Retirement Plans
- Qualified Domestic Relations Order (QDRO) Assistance
- 529 Qualified Tuition Plans
- College Planning Assistance
- Optimization of Social Security Benefits
Efficiently unleash cross-media information without cross-media value. Quickly maximize timely deliverables for real-time schemas
Services
Contact
Phone: (602) 446-6394
Fax: (602) 419-2294
Email: info@thepearlcapital.com
Designed and Developed with 
by Orenda Creative