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Products We Offer
RRSP
RESP
TFSA
Five Investing Portfolio
Conservative
4-5 % Returns*
For individuals seeking a reliable and sustainable source of income within a 2-3 year timeframe or during their retirement years.
Advanced
7-8% Returns*
For individuals with a long-term plan of 8-9 years with finanical stability of 20 years of income
Moderate
5-6% Returns*
For individuals looking for capital within the next 3-5 years or who are approaching their retirement phase
Equity
8-9% Returns*
The portfolio that appeals to individuals with a long-term outlook. This includes: For young individuals aiming for maximum returns with minimal monthly contributions and high-income earners looking to diversify their investment portfolio
Balanced
6-7% Returns*
For individuals seeking a medium-term investment horizon ranging from 5 to 7 years, you don't have much experience, and want to avoid the ups and downs of the stock market.
Make The Switch
Experience investing with a personal touch
*rates based on historical returns
Portfolios are curated just for you!
Different types can be mixed and matched to your liking
Other Services
ESTATE PLANNING
FINANCIAL PLANNING
INVESTMENT PLANNING
Frequently Asked Questions
Feeling puzzled? Our advisors have the pieces for you to see the big picture.
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How much life insurance do I need?The amount of life insurance you need depends on your individual circumstances, including your financial obligations and goals. A common rule of thumb is to have coverage equal to 5-10 times your annual income, but a more accurate assessment considers your debts, expenses, and future financial needs.
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How do I choose the right life insurance policy?Choosing the right policy involves evaluating your financial situation, goals, and budget. Term life insurance is often more affordable, while permanent life insurance provides lifelong coverage with an investment component.
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What factors affect life insurance premiums?Several factors influence your life insurance premiums, including: Age: Younger individuals typically pay lower premiums. Health: Your overall health and medical history play a significant role. Coverage amount: Higher coverage amounts lead to higher premiums. Smoking status: Smokers often pay higher premiums. Lifestyle: Risky hobbies or occupations may increase premiums.
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Can I buy life insurance for someone else?Yes, you can purchase life insurance for another person, but you typically need their consent and insurable interest. Insurable interest means that you would suffer a financial loss if the insured person were to pass away. This is common in cases like spouses, children, or business partners buying life insurance on each other.
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Can I change my life insurance policy after purchasing it?Yes, you can often make changes to your life insurance policy, such as adjusting coverage amounts, adding riders (optional policy features), or even converting a term policy to a permanent one
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Should I get life insurance if I'm single with no dependents?Even if you're single with no dependents, life insurance can still be beneficial. It can help cover funeral expenses, outstanding debts, or leave a legacy for loved ones or charities. Additionally, purchasing life insurance when you're young and healthy can result in lower premiums.