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May 2019 Book a Meeting Client Login
 
 
Looking at Investment Returns
 
 

A major Canadian financial institution ran an investment promotion earlier this year that promised attractive returns for GIC-type investors, who needed higher returns to generate income.

While dealing with an advisor from this particular institution on another matter, the conversation turned to the details of their offer.

The highlighted promotion offered a much higher monthly income than a normal payout GIC. The advisor confirmed that the product was a...

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Be Prepared for Emergencies & Opportunities
 
 

Randy worked for a small business. When the owner died suddenly, the business accounts were frozen and it took several weeks before they could be accessed to meet payroll. Randy had trouble meeting his financial obligations and had to find a new job.

Jane worked at a small company for many years. When the owner decided to retire, she offered to sell the business to Jane. As she didn’t have the funds available, the business was sold to someone else. The new owner let Jane go shortly after taking over.

Joe and Gayle had been renting a house for several years. When the owners decided to sell, they offered it to Joe and Gayle first. Because they didn’t have enough for a down payment, they couldn’t afford to...

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Will I Need Long Term Care?
 
 

Many mistakenly believe that if they need Long Term Care, either in their home or in a facility, the cost will be covered by provincial health care or other government agencies.

While certain programs are available, a large portion of these costs become the responsibility of the patient or their family.

John and Ellen, in their early sixties, retired. They were looking forward to traveling and visiting with their grandchildren.

Within a few months, Ellen’s parents were no longer able to look after themselves and asked John and Ellen for help. They extensively renovated...

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Life is like riding a bicycle. To keep your balance, you must keep moving.
 
Albert Einstein
 
Segregated Funds are administered by Canadian insurance companies in the form of individual, variable life insurance contracts offering certain guarantees to the contract holder. A description of the key features of the individual variable insurance contract is contained in the information folder. Subject to any applicable death and maturity guarantee, any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value.