INVESTMENT

Every stage of life comes with investment needs. We monitor the marketplace by reacting quickly to changing conditions and provide innovative investment options to met your goals.
Our goal is to deliver value to you – with cost-effective product choices and easy administration.
GET MY QUOTE NOW !

Money begets money, the earlier the better. You will make far more money by investing early and reinvesting your dividends, interest and gains than you will by earning a paycheck — unless you are a movie star, a pro athlete or an heir to a major fortune.

WE HAVE FINANCIAL SOLUTIONS THAT EVOLVES WITH YOU!

Growing you savings?
Want to maintain your family’s standard of living no matter what happens?
Looking for tax-efficient ways to leave assets to your kids?

A PLAN CREATED FOR YOU

To do the best job for you, your advisor needs open an honest communication. Information that you may think is unimportant could be relevant to your plan, so full disclosure is always recommended.

BE REALISTIC ABOUT HOW MUCH YOU THINK YOU’LL NEED AT RETIREMENT:

That question will have different answers.  It all depends on your personal situation, your present coverage and your medical history. We suggest that you talk to an Insurance Specialist, as they will ask you a few key questions to offer advice and recommendations.

WHICH INVESTMENT OPTION IS BEST FOR YOU ?

Our team will help you decide between investments designed to protect, grow and diversify.  You will choose the plan type that works best for you, and help you select investments that meet your needs. Plus, we offer plenty of choices, so your advisor can tailor the solution to your needs.

HERE’S A FEW INVESTMENT OPTIONS!

REGISTERED RETIREMENT SAVINGS PLAN – RRSP
Are you getting the most out of your investment?

Your RRSP contributions are just one element of what you hope to have in place when you retire. There are many product choices and options available that can provide you with both security and growth potential.

Are you taking fully advantage or your investments?  Here a few key questions. 

LEARN MORE

REGISTERED EDUCATION SAVINGS PLAN – RESP
Build up a tax-sheltered fund to finance a child’s postsecondary education.

Children give us a reason to live and a thousand reasons to hope. There is a desire to provide them with all the tools they need to succeed personally and professionally. A registered education savings plan (RESP) is the ideal financial vehicle to meet the job market’s education requirements and help you defray mounting education costs.

LEARN MORE

PENSION – RIFF & Annuities
Making the turn from work to retirement can be a bit perplex.

The face of retirement has changed radically in the last decade, as people live longer, healthier lives, and traditional pensions have given way to an often confusing array of investment and income-producing vehicles.

We can combine the predictability of income with the flexibility which provides predictable and guaranteed lifetime income while at the same time, include a component that provides flexibility, growth potential.

Explore some of our Retirement Income Options

LEARN MORE

TAX FREE SAVINGS ACCOUNT – TFSA
Not familiar with how TFSAs works?

What about this?  TFSAs allow you to earn income that isn’t subject to any taxes.

Here are a few important points: 

  • Eligible investors can contribute up to $5,500 in 2014 - and that’s in addition to any unused amounts in prior years
  • Contribution room you may have investment income (including capital gains) earned is tax-free
  • Don’t pay taxes on withdrawals
  • Remain eligible for government benefits and tax credits, no matter how much accumulates in the TFSA and no matter when withdrawals are made

WHAT’S NEXT?

Reviewing your Investment Portfolio needs is a straightforward process that can have a significant impact on your future. Looking to take advantage of a portfolio review, look at your options or just a second option, we have a team in place to help you.

INVESTING ON YOUR TERM

eVERY STAGE OF LIFE COMES WITH INVESTMENT NEEDS

Insurance policies come in varying shapes and sizes. To figure out which type of policy will suit you best, how much coverage is enough, you might want to meet with an licensed agent, to help you by preparing a Financial Plan.

CREATING YOUR PLAN

Find out quickly your investments options and get multiple quotes, with our insurance providers, creating your tailor-made Financial Plan.

YOUR OWN INVESTMENT MAY BE THE BIGGEST PART OF YOUR RETIREMENT INCOME, ARE YOU TAKING THE DRIVER SEAT ON THOSE DECISIONS?

KEY QUESTIONS ABOUT YOUR RRSP INVESTMENTS:

Are your RRSP investments managed and monitored by leading investment managers?
Does your RRSP include investments with guaranteed rates and the flexibility to take advantage of any interest rate environment?
Have you taken advantage of any unused RRSP contribution room? 
Do you invest on a regular basis in order to maximize your RRSP? 
If you have answered "Not Yet" to any of the questions above, then learn how to invest today 
EDUCATION IS SOMETHING MOST PARENTS HOPE TO BE ABLE TO OFFER TO THEIR KIDS

START INVESTING IN THEIR FUTUTRE NOW!

Advantages of a Diploma RESP:

›  Accumulate the necessary funds to finance a child's post-secondary education.
› Eligible for a government grant, equal to 20% of your annual contributions to the RESP
  (up to $500 per year).
› Bonus of up to 15% of the contributions to the RESP, will increase the income paid as   Educational Assistance Payments (EAPs).
› The chance to watch your money grow sheltered from tax.
›  Flexibility to change the plan's beneficiary.
›  Withdrawals of contributions are tax-free.                                        
› The investment income is transferable to your RRSP if the child chooses not to pursue a
  post-secondary education.

GET FREE QUOTE !

Looking to maximize your contributions....

Make the maximum contribution every year with an RESP loan.

Ask us about it!

EXPLORE YOUR OPTIMAL RETIREMENT INCOME OPTIONS

Get a retirement income that meets your needs

 Two options to consider: RIFF or Annuities

1) Registered Retirement Income Funds (RRIFs)

RRIF’s offer:
• Full control of and access to capital
• Ability to make investment decisions
• Flexible withdrawals

Drawbacks:
• Possibility of outliving assets
• Money must be managed

Consider a RRIF if:
• You have considerable savings
• You are an active, involved investor
• Don’t need the lifetime income guarantees offered by life annuities

2) Annuities

Annuities offer:
• Guaranteed income stream
• Freedom from having to make investment decisions
• Freedom from risk of outliving assets

Drawback:
• Lose access to capital
• Can’t change your investment options

Consider an Annuitie if:
• No worries in managing your own investments
• You are looking for guaranteed lifetime income
• This is your only income

If both appeal to you...

We can combine the predictability of annuity income with the flexibility and investment options available through RRIFs Life annuity component provides predictable, guaranteed lifetime income RRIF component provides flexibility, growth potential.

You get the best of both worlds!

Request More Information!

Travelling Soon? Expecting Visitors? – Protect yourself. Protect your guests. 

No one expects to have a medical emergency away from home, or to have to cancel a trip due to an emergency. But these events happen and they can be disruptive and expensive. Travel Insurance for Canadians travelling out-of-province helps protect you against the cost of unexpected emergencies that may occur during your trip – costs only marginally covered by your provincial health insurance plan.          
LEARN MORE
OUR PARTNERS

We seek out partners who provide the most reliable, affordable, and customizable insurance coverage and investment options in Canada.
That way Optimal Financial can help you find the best coverage for everything that matters to you and your family.

This is some text inside of a div block.