Investment Services

We offer a personalized one-stop service, more than investment or tax advice, for Canadian residents, Canadian non-residents, and other nationals moving to Canada. We provide advice and information about mutual funds and other financial products. Even high-security vehicles like cash, deposits and other banking services, and help you minimize risk with travel and international health insurance. We can also help you plan for your retirement by building independent wealth.

We ensure your investments meet YOUR objectives, including: tax minimization, risk management, reasonable performances, strategic plan, and family financial security. We help identify financial problems and opportunities at a reduced risk, make recommendations and co-ordinate the implementation of our recommendations.

You can increase rates of return at minimal risk through monthly investment into currency, bond or equity funds, to suit your financial and personal goals. We will analyze and simplify your current portfolio in light of changing tax status, to help it grow for your retirement. For several clients, we have reviewed their housing including a sale/rental review, to recommend whether to keep or sell home. We provide comprehensive yet easy to understand reporting, accessible from anywhere over the Internet.

For those leaving Canada, we provide co-ordination of your RRSP consolidation, which is an urgent requirement prior to your move. For example, while you are a USA resident, most financial institutions will not allow you to switch investments, or between fund equity classes. RRSP investment consolidation to reduce trustee fees with increased long term rates of return. Non-residents redeeming their RRSP are subject to a 25% withholding tax (reduced to 15% in certain country jurisdictions), so proper planning before departure can maximize the after-tax funds available for investing.

Managed Money
Good portfolio management helps you focus on the things you control. Keep in mind that there are many elements of investment planning that are more important than fund selection, yet more time is likely spent on fund selection than any other element of investment planning.

Canadian Portfolios
Our long term professional money management services can help a Canadian resident investor

• Increase their rates of return at lower risk through monthly investments into currency, bond or equity fund consistent with your overall goals
• Receive unbiased advice with top quartile Canadian or International managers as one of Canada's leading global specialists.
• Analyze and simplify your current portfolio, updating for changing tax status and planning for retirement growth.
• Review your housing retention/sale/rental review, on whether to keep or sell home.

Personal service, capital preservation and liquidity are important priorities for Canadian investors. Combined with the need for risk control, performance and comprehensive yet easy to understand reporting, the demands of today's sophisticated investor - whether saving for retirement, wishing to maintain a chosen lifestyle, in retirement of planning for specific long term goals - have driven the development of literally hundreds of investment options. Making the right choice has never been more important or more complex.

A professional money management solution that helps you meet the challenge of reducing investment risk and increasing investment return while meeting your individual investment goals. As one of the most innovative and personalized investment programs available in Canada, we can assist you in making informed decisions and build investments for a lifetime - while benefiting from the investment decisions of some of the world's best money managers.

Money managed portfolios allow you to increase foreign RSP component beyond 20% to 50%Foreign to increase rates of return at lower risk through global diversifications.

Retirement
We can assist in planning for and managing the funds for your retirement, including the following

• RRSP investment consolidation to reduce trustee fees with increased long term rates of return.
• Tax-free Asset Management Advice ($50,000. to $500,000.) in Canada or overseas.

Keep in mind, when abroad, that the following withholding taxes apply on redemption of your tax free accumulations:

• Non-resident RRSP redemption @ 25% withholding tax (15% in certain countries, based on tax treaties)
• Non-Resident RRSP redemption @ 1% tax for non-working spouses. (Advice given for specific cases)

Non-Resident RRIF redemption @ 15% CDN withholding tax