Personal | Financial Planning & Retirement Services
Financial Planning
Our in-house wealth management specialist has the knowledge and experience to help you achieve your goals, whether it's saving for retirement, education or purchasing your first home.
With a full range of savings, investment and insurance options, we will help you make the right choices to suit your needs.
It's never too late to start planning.
Specializing in:
- Financial Planning
- Wealth Management
- Estate Planning
- RRSPs
- RESPs
- Mutual Funds*
- Ethical Funds®*
- Life Insurance
- Disability Insurance
- Critical Illness Insurance
- Long Term Care Insurance
- Group Benefits (10+)
For more information, contact our Certified Financial Planner, Joanne Williamson, today.
*Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Direct®, a division of Credential Securities Inc., which operates as a separate business unit. Commissions, trailing commissions, management fees and expenses all may be associated with mutual find investments. Please read the prospectus before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member - CIPF.
Ethical Funds® are sold in all provinces and territories
across Canada.
Ethical Funds® is a registered mark owned
by Ethical Funds Inc. and is used under licence.
RRSPs
The Classic R.R.S.P.
The Classic RRSP offers you two great options.
- The Variable Rate Plan is always in line with current economic conditions.
- The Fixed Rate Plan guarantees your rate for the term you specify.
You can take out up to 20% of your funds, with no interest rate penalty! This exclusive Classic RRSP option allows you to withdraw cash one time only (subject to federal withholding tax) with the balance remaining at the same great rate. You can exercise the option anytime after the initial 90 days of your investment.
Registered Retirement Income Funds (R.R.I.F.'s)
When it comes time to convert to your retirement income option, you want to be sure you make the right decisions.
Most people decide that a Registered Retirement Income Fund (RRIF) meets their needs. A RRIF provides you with maximum control over investment of your funds and the most flexibility to adjust the amount of payments you will receive.
We offer a range of products that provide convenience, security and high rates of return. We back those products with personalized, accurate and confidential services.
Mutual Funds and RESPs
A federally sponsored program that enables Canadian residents to accumulate savings, within a tax sheltered plan, for future educational expenses is available.
Key Features:
- Government pays 20% of the first $2000.00 (Maximum of $400.00 per year-The Canada Education Savings Grant)
- Maximum lifetime Grant is $7,200
- Plan can exist for a maximum of 25 years
- Per beneficiary contribution maximum of $4000 annually with lifetime limit of $42,000.
- Numerous investment options available
- Subscriber is the registered owner of the plan
- Beneficiaries may use funds for tuition, books and shelter (The Education Assistance Payments)
For more information from the federal government on RESP's, contact our branch representatives or visit the federal government web site at: http://www.ccra-adrc.gc.ca/E/pub/tg/rc4092/README.html
Give your child a registered education savings plan that cares as much as you do.
Post secondary graduates enjoy more options, better job security and a higher standard of living than workers with only a high school diploma. The best way to give your children or grandchildren a head start is with a Registered Education Savings Plan (RESP). An RESP with Ethical Funds gives you solid financial management, competitive returns, and the knowledge that your money is working to improve the quality of life for everyone.
Ethical Funds is committed to social change and fairness through our unique combination of social and environmental screening and shareholder action. Your Ethical Funds RESP helps you build a brighter future for your children. Our Ethical® Principles work to make the future brighter for all children.
An RESP with socially responsible Ethical Funds is an ideal way to give your children the gift of education. To set up a new plan, make another contribution to your existing plan, or transfer in money held at another financial institution, simply contact your Mutual Funds Investment Specialist and start saving now.
Find out how much you need to save to give your child a post secondary education with our RESP Calculator.
Mutual
funds are offered through Credential Asset Management Inc. Commissions, trailing
commissions, management fees and expenses all may be associated with mutual
fund investments. Please read the prospectus before investing. Unless otherwise
stated, mutual fund securities and cash balances are not insured nor guaranteed,
their values change frequently and past performance may not be repeated.
®Ethical Funds is a registered mark owned by Ethical Funds Inc. and is used under licence. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.
