Getting the most out of your money
I help clients take control over their finances by encouraging them to save and invest in a variety of vehicles that match with their risk tolerance.
In retirement clients will start to rely on their investments for income. This is where risk managment, tax and estate planning is crucuial.
Investment products include:
- Open/Non Registered
- Life Annuities
Investing for Your Future
These types of funds are typically purchased from an insurance carrier. Segregated funds have the ability to bypass probate, and could offer creditor protection.
Mutual funds offer a wide variety of investment choices to match the risk tolerance of each investor.
Tax Free Savings Account (TFSA)
Money grows tax free in a TFSA. Individuals over 18 can set one up.
Registered Retirement Savings Plan (RRSP)
Contributions are tax deductible. Money grows tax free. In retirement a RRSP will be converted into a RIF (retirement income fund)
Registered Education Savings Plan (RESP)
RESPs are a great way to save for your children’s education. Government grants are available.
Registered Disability Savings Plan (RDSP)
RDSP provides a way for a disabled individual to save for their future. Money can grow tax free and governement grants and bonds are available.
All mutual funds are sold through Monarch Wealth Corporation, a registered mutual fund dealer. Commissions, trailing commission, management fees, and expenses all may be associated with mutual fund investments. Please read the prospectus/fund facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. To obtain a prospectus or fund facts, or further information, please contact your Representative.
All non-mutual funds related business conducted by your Representative is not in the capacity of an employee or agent of Monarch Wealth Corporation and is not the responsibility of Monarch Wealth Corporation. Non-mutual fund related business includes, without limitation, advising in or selling any type of insurance product, advising in or selling any type of mortgage service, estate and tax planning or tax return preparation.