Today's Best GIC Rates

February 5, 2016

arrow up1 Year1.78%
arrow up2 Year1.93%
arrow up3 Year2.00%
arrow up4 Year2.11%
arrow up5 Year2.21%
arrow upCashable3.00%

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How We Do It

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Who We Are

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Latest News

February 2, 2016 at 4:48 pm | by Alex Preswick

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TFSA or RRSP?

 TFSA or RRSP

One of the most common investment questions Canadians ask themselves today is, “Which is better, TFSA or RRSP”? Here’s the good news - it doesn’t have to be an either or choice. Why not do both? Below are the features of both plans to help you understand the differences. Tax Free Savings Account (TFSA) • Any Canadian resident age 18 or over may open a TFSA. Contribution is not based on earned income. There is no maximum age for contribution.

 Taxation of Life Insurance – New Rules Offer a Window of Opportunity

Permanent life insurance, such as Whole Life or Universal Life, has long been accepted as a tax efficient way of accumulating cash for future needs. Soon the amount of funds that can be tax sheltered within a life insurance policy will be reduced by new tax rules which take effect January 1, 2017. These changes may make 2016 the best year to buy cash value life insurance.

December 2, 2015 at 9:01 am | by Alex Preswick

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Recover Your Long Term Care Costs

Recover Your Long Term Care Costs

Back to Back Long Term Care Strategy

Will your family be affected by the costs of caring for an aging loved one? Statistics Canada states that over 350,000 Canadians 65 or older and 30% of those older than 85 will reside in long term care facilities. With increasing poor health and decreased return on investments, the fear of facing financial instability in your declining years is real.

November 3, 2015 at 8:57 am | by Alex Preswick

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Family Business Planning Strategies

Family Business Planning Strategies

67% are at Risk of Succession Failure

If you are an owner in a family enterprise, the likelihood of your business successfully transitioning to the next generations is not very good. This has not changed over the years. Statistics show a failure rate of: • 67% of businesses fail to succeed into the second generation • 90% fail by the third generation With 80% to 90% of all enterprises in North America being family owned, it is important to address the reasons why transition is difficult.

October 1, 2015 at 4:52 pm | by Alex Preswick

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Ease Your Retirement Worries with Immediate Annuities

Ease your retirement worries

The majority of Canadians work hard to accumulate a retirement fund and many are averse to exposing savings to unnecessary market risk after they retire. In today’s prolonged low interest rate environment, immediate annuities are often dismissed or overlooked as a viable vehicle for providing retirement income. Perhaps they shouldn’t be. An annuity is an investment that provides a guaranteed income stream for a set period of time or for the lifetime of the annuitant. While annuities may not be for everyone, for those trying to find a way to guarantee income in retirement Immediate Annuities may be the answer.