My investment plan

Investment planning can help you save for a trip, your dream home, your child's education, and your retirement. Our Wealth Management Professionals will help you to see the big picture and to understand your financial position, and ultimately how we can ensure your future financial needs and goals are met.

Your investment plan should be part of a comprehensive financial plan that will your answer questions like:

  • Should I spend or save money for the future?
  • Should I pay off debt or fund my retirement?
  • Should I focus on long or short term goals?
  • How much do I have to save to meet my goals?

Our Wealth Management Professionals can offer various suggestions to help you reach your goals.

Automated savings plan Expand/Collapse

When saving for something big, every dollar counts. Whatever your goal, we can help you reach it faster with a pre-authorized contribution (PAC). You automatically invest a set amount every pay period, every month or every quarter.

Managing your savings with a PAC is a smart and easy way to save. Essentially, you’ll take money you might have spent and invest it instead. If money is saved or invested as soon as you get paid, it can’t be spent. It’s the means by which you follow the widely advocated strategy of paying yourself first. David Chilton, author of The Wealthy Barber Returns, suggests saving 10 to 15 per cent of your gross income.

With a PAC plan, you’re on auto pilot. While it is automatic, it’s not maintenance-free. If you get a raise, increase the amount of money you’re saving or investing by the same percentage. Life happens, and we understand that you sometimes need to make adjustments, therefore if your financial situation changes you can always adjust your PAC amount – it really is that easy!

Registered savings plan Expand/Collapse

Your automated savings plan can be used for registered products such as:

  • a Registered Retirement Savings Plan (RRSP)
  • a Tax-Free Savings Account (TFSA)
  • a Registered Education Savings Plan (RESP) or
  • a Registered Disability Savings Plan (RDSP).

Some of the benefits of setting up a  pre-authorized contribution (PAC) for a registered account are:

  • Earning tax-sheltered returns
  • Compounding your interest with monthly contributions
  • Enjoying peace of mind by investing in your RRSP throughout the year, avoiding the last minute scramble.

Customize a convenient and flexible plan that fits your budget and savings goal.

The PAC does not need to involve large sums of money.  You can have your PAC deposited to a regular savings account then as your funds accumulate, set up an appointment with your financial advisor to discuss the best way to invest the money.  You'll eliminate the tedious annual ritual of finding money to contribute to your RRSP.  It’s always RRSP season when you have a PAC plan.

PAC plans also deliver the benefit of long-term compounding. If you start with $100 and make monthly contributions of the same amount for 25 years, you end up with almost $45,000 assuming a modest 3% rate of return.

Disability plan Expand/Collapse

It's easy to forget about saving for emergencies when you and your family are in good health.  If something unexpected were to happen to you or a loved one, medical expenses can add up quickly.  Personal injuries can lead to lost income and financial difficulty.

We have wealth planners who can assist you with any unexpected events that you face. They can also show you pro-active savings approaches that will help build an emergency fund you can access during difficult times.

If you or a family member already suffers from a disability, we welcome the opportunity to discuss a Registered Disability Savings Plan with you.

We welcome the opportunity to meet with you to start building a plan today.

To make an appointment with a Wealth Management Professional near you:

Mutual funds and related financial planning services are offered through Credential Asset Management Inc. Mutual funds, other securities and securities related financial planning services are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.

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