financial services
We specialize in helping you grow your wealth and achieve your financial goals through our comprehensive investment planning services. We understand that managing your finances can be a complex and overwhelming process, which is why we’re here to help you navigate it with ease.
We are committed to providing you with personalized solutions tailored to your unique financial needs. From insurance and investment planning to retirement and estate planning, we offer a wide range of services that can help you achieve your financial goals. Whether you’re looking to grow your wealth, save for retirement, plan for your children’s education, leave your estate to loved ones or charitable giving, we help you own your future.
At Wealth Insured, we believe that every investor is unique, and therefore, every investment strategy should be too. We will work with you to develop a personalized investment plan that aligns with your financial objectives and risk tolerance.
Our investment planning services also include regular portfolio reviews and adjustments, ensuring that your investments remain aligned with your financial goals and market conditions. In addition to investment planning, we also offer other financial services that can help you achieve your financial objectives. Our retirement planning services can help you create a plan that ensures a comfortable retirement, while our estate planning services can help you ensure that your assets are distributed according to your wishes.
At Wealth Insured, we are committed to providing you with the highest level of service and support. We are always available to answer your questions and provide you with the guidance you need to make informed investment decisions.
Segragated Funds
Segregated funds are a type of investment product that combines the benefits of mutual funds with the security of an insurance contract. They are offered by life insurance companies and are designed to provide investors with the potential for growth while protecting their capital.
Segregated funds provide a guarantee of principal, which means that regardless of how the stock market performs, the investor will receive a minimum percentage of their original investment back when the contract matures. This provides investors with a level of security that is not available with traditional mutual funds. Segregated funds also offer potential for growth by investing in a variety of securities, including stocks, bonds, and other assets.
Registered Retirement Savings Plans (RRSPs)
A Registered Retirement Savings Plan (RRSP) is a type of investment account designed to help Canadians save for their retirement. Contributions made to an RRSP are tax-deductible, which means that they can help to reduce the amount of taxes owed on income earned in the year of contribution.
The funds in an RRSP can be invested in a variety of securities, including stocks, bonds, mutual funds, and more. These investments can grow tax-free until they are withdrawn from the RRSP, at which point they are subject to taxation at the individual’s marginal tax rate.
RRSPs can be a valuable tool for Canadians who want to save for their retirement while also benefiting from tax savings.
Registered Education Savings Plans (RESPs)
Registered Education Savings Plan (RESP) is a type of investment account designed to help Canadians save for their children’s post-secondary education. Contributions made to an RESP are not tax-deductible, but the funds in the account grow tax-free until they are withdrawn to pay for educational expenses.
In addition, the Canadian government provides a matching grant of up to 20% of the contributions made to an RESP, up to a maximum of $500 per year per child, through the Canada Education Savings Grant (CESG).
RESPs can be a valuable tool for parents who want to save for their children’s education while also benefiting from the government’s CESG matching grant.
Tax-free Savings Accounts (TFSAs)
A Tax-Free Savings Account (TFSA) is a type of investment account that allows Canadians to save and invest money without having to pay taxes on the investment income earned in the account. Contributions made to a TFSA are not tax-deductible, but any growth and income earned in the account is tax-free.
The contribution limit for TFSAs is set by the Canadian government and is indexed to inflation each year. Any unused contribution room can be carried forward to future years, and withdrawals from a TFSA do not count as taxable income and do not affect eligibility for government benefits or tax credits.
TFSAs can be a valuable tool for Canadians who want to save for a variety of financial goals, including retirement, a down payment on a home, or other large purchases.
Investment Loans
An investment loan is a type of loan that is used to finance investments, such as stocks, mutual funds, or real estate. These loans are typically secured against the value of the investment and can allow investors to leverage their investments to potentially earn higher returns. However, investment loans also come with risks, as the value of the investment can go down, and the investor may be left with a loan to repay that is worth more than the investment itself. It is important to carefully consider the risks and benefits of investment loans before using them to finance investments.
Contact us for information on risks and to determine if this type of loan is right for you.
Non-Registered Investments
Non-registered investments are investment products that are held outside of registered accounts, such as RRSPs, TFSAs, and RESPs. These investments include stocks, bonds, mutual funds, and other types of securities. Unlike registered investments, non-registered investments do not offer any tax benefits, but they also do not have contribution limits or restrictions on withdrawals. Non-registered investments can be a valuable part of a diversified investment portfolio, but it is important to understand the tax implications of these investments and to work with a qualified financial advisor to determine the best approach based on individual financial goals and circumstances.
Our process
To create a financial plan tailored to your unique needs, we take a comprehensive 4 step approach that involves getting to know you, your financial situation, and your goals. We believe that a personalized plan is the best way to help you achieve your financial objectives and maintain a secure financial future.
We’ll work with you to establish your financial goals. We understand that everyone has different financial objectives, which is why we take the time to listen to you and understand what’s important to you. Whether you’re saving for a down payment on a house, planning for your children’s education, or preparing for retirement, we’re here to help you achieve your goals. At this stage, we will also understand your risk tolerance and comfort levels.
Once we’ve developed the plan, we’ll work with you to implement it. This may involve opening new accounts, setting up investment plans, and making any necessary adjustments to your current financial situation.
We believe that a financial plan is not a one-time event. We’ll monitor your progress regularly and make necessary adjustments as circumstances change. This may involve meeting with you on a regular basis to review progress, make any necessary adjustments, and ensure the plan is still aligned with your goals.
Finally, we understand that life is full of changes, which is why we’ll reassess your goals and strategies regularly. This may involve reviewing progress and making any necessary changes to your goals or strategies based on changes in your life circumstances, financial objectives, or market conditions.
Why choose Wealth Insured as your partner for owning your future?
- Free no obligation consultation
- No out of pocket cost by you to our representative ever.
- Plan you future from the comfort of your own home
- Personalized investment plan as per your risk tolerance which is managed by us while keeping you up to date with the best investments available
So why wait? Contact us today to learn more about how we can help you own your financial future.