• Mutual Funds
  • Educational IRA
  • Brokerage Accounts
  • Government Securities
  • Retirement Accounts
  • Fixed Annuities
  • Roth IRA
  • Simple IRA
  • Traditional IRA
  • Variable Annuities
  • Common Stock
  • Bonds


A Roadmap for your Financial Journey

One of the benefits of working with us is our ability to provide clear, easily understood explanations of complex financial concepts. We provide you with a detailed roadmap to follow on your financial journey that gives you a clear picture of how you are progressing towards your goals.

One of the more important financial goals you will ever plan for is a secure retirement. It's essential to make the appropriate decisions about your retirement plan assets before and after you retire.

Using your personalized roadmap as a guide, we can assist you with:

  • Navigating the ever-changing and often confusing landscape of qualified plans and other investment vehicles and helping you decide which options are appropriate for you.
  • Evaluating your current retirement plan, including your existing savings and choices of employee-sponsored pension or retirement accounts.
  • Structuring your investments to help meet your long-term goals, time horizon, and risk tolerance.
  • Planning for additional savings by setting up regular contributions to an IRA or other qualified or non-qualified savings plan.


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, we can offer advice on registered and non-registered savings and pension plans.


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.

We 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.


Individual Retirement Account (IRA) 


This is the most commonly used savings account available to most Americans saving for their retirement. Where a company-sponsored retirement plan isn’t available, IRAs can be used as a way for tax-deferred savings. Over the period while you work, tax-deductible “contributions”, up to an eligible amount, can be made into the account. You only pay taxes when you withdraw funds in retirement  

Some IRA’s have contribution limitations and tax consequences for early withdrawals. Distributions from traditional IRA’s and employer sponsored retirement plans are taxed as ordinary income and, if take prior to reaching age 59 ½, may be subject to an additional 10% IRS tax penalty. Converting from a For complete details consult your tax advisor or attorney.


Roth IRA Account


Roth IRAs differ somewhat from traditional IRAs – which allows for tax-deferred growth of retirement savings - in that the money deposited into these accounts is from “after-tax” dollars. Subsequently, when you make withdrawals from your Roth account, you are not taxed. Additionally, your savings within the account also grow tax-free

To qualify for the the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.


Simplified Employee Pension (SEP) IRA


Some employees may have access to employer-sponsored SEP-IRA accounts. These are similar to traditional IRAs, and may sometimes use Annuities as a retirement savings vehicle.


Savings Incentive Match Plan for Employees (SIMPLE) IRA


This is yet another retirement saving plan available to working Americans saving for their retirement. SIMPLE-IRA plans mandate an employer-matched contribution, and are ideal for smaller business (less than 100 employees).


Traditional 401(k) or Roth 401(k) plans


Like individual and Roth IRAs, employers can offer staff traditional 401(k) plans or Roth 401(k) plans to their employees. In some cases, for instance where an employer matches 100% of your contribution to these retirement savings accounts, it might make sense to join the plan. However, the funds are invested at the discretion of the fund manager, and you (the employee) might have no say in those decisions. We’ll help you decide whether you should participate or opt out of these plans.


Value-added services


We’ll not only help you choose the right retirement savings accounts for you, but we’ll ensure they are the most cost-effective and tax-advantaged for your particular situation.  If you switch jobs, we’ll also advise you on whether it makes sense to Rollover, Stay, Move or Cash out from an employer-sponsored retirement savings plan.