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Segregated Funds come with maturity and death benefit guarantees. You might have heard that before…
In this slide, you can see that in action. The blue segments represent the amount of claims that were paid out as per the market value of the investments.
The yellow segments represent the top-up that was paid out under the maturity and death benefit guarantees.
As you can see, the top-up portion was quite significant in the years 2022 and 2023 when the markets were down.
There is great value in Segregated Funds and it is most appreciated at the time the investment funds are paid/pulled out.

Talking about money with your partner might not exactly sound romantic at first, but being on the same page financially might help strengthen your relationship.

Here’s our guide to budgeting for couples. https://ow.ly/82o550QBfst

Enter to win $5000!
It’s easy! All you have to do is contribute to an iA Financial Group RRSP or TFSA by February 29, 2024.
Double your chances of winning by contributing before January 31!
The link to the contest details is below.
As an advisor with IA, I can help you open and contribute to a new RRSP or TFSA account.

Maximizing your savings is good.📝

Maximizing your savings and entering a contest is even better! 🤩

👉 https://ow.ly/t62K50Qlcfj

A summary of Registered savings options available to Canadians

Until 2009, most Canadians held their retirement savings in an RRSP, where they could claim a deduction for their contributions and then defer tax until withdrawals were made, which generally occurred at retirement. The introduction of TFSAs has provided another powerful savings vehicle that allows investment growth to accumulate and be withdrawn at any time tax free. Unlike an RRSP, you can’t claim a tax deduction for the contributions you make to a TFSA. On the plus side, if you need to withdraw money from your TFSA, you have an opportunity to replace that money because all TFSA withdrawals are added back to your unused contribution room—but not until the following year.
If you have children or grandchildren, RESPs are another popular option. The subscriber (or contributor) makes contributions on behalf of a beneficiary (the child). The contributions aren’t deductible or taxable on withdrawals. The growth is tax-deferred until withdrawals are made, at which time it can be taxed in the beneficiary’s hands if the beneficiary enrolls in a qualifying post-secondary educational program. Contributions to a child’s RESP may qualify for the Canada Education Savings Grant (CESG), and if your family’s income is below certain amounts, you may also qualify for the Canada Learning Bond (CLB).

Reach out to me at 416 670 2540 or [email protected] to learn more.

Merry Christmas and a very happy new year 2024 to everyone! 🎄✨🎉
Happy Holidays!

Watch the video below to learn the basics about trusts!

The basics of trusts — Solutions for Financial Planning | Magazine Are they the right tool for passing a portion of your wealth on?

Continuing Education Day with Assumption Life 🙂
Always learning to better serve my clients

Continuing Education Day - Assumption Life Tour 2023
Always learning to better serve my clients

Whether you’re healthy or you’re hard to insure, you can get affordable, hassle-free life insurance coverage in as little as 2 days. I know it sounds too good to be true but the insurance industry has evolved a lot over the last few years and this is now possible.
Also, if you are one of those individuals who don’t want to go through a long application process with medical exams this is a great solution for you.
Reach out if you would like to learn more. I’m always happy to help.
☎️ 416 670 2540

All you need to know as a newcomer about establishing yourself financially in Canada.
I am sure you will have questions once you read the article below. I would be more than happy to answer your questions and provide additional information. Feel free to reach out!

Establishing Yourself Financially in Canada: What You Need to Know | iA Financial Group Are you planning on moving to Canada or have you recently arrived? Find out how to successfully set up your finances in your new country.

Why it’s even more important to plan if you are a single parent.

Single parent? It is twice as important to plan.