Investing Your Money Wisely

At CI Financial  we believe in creating a complete financial plan to help you reach your financial goals both personally and for your business. Investments GIF Select featuring IncomePlus from Manulife Investments Segregated Funds Guaranteed Investment Certificates (GICs) Tax-Free Savings Account (TFSA) Term Deposits Tax Advantaged...

Estate Planning

First the good news: You probably won’t get hit by a bus tomorrow. In fact, the odds are quite low. The bad news is that you could get hit by a bus tomorrow. What’s more, actuarial tables don’t lie: Someday, your proverbial bus will come. So from an estate planning standpoint, you have only two options. You can leave a tangled mess for your loved ones to...

When Will You Retire

In a nutshell, you will retire when your Financial Plan comes to fruition. Conversely, few people ever stop working or retire completely without one. Does that worry you? It certainly should if you do not already have a Financial Plan in place – why not share your dreams with one of our Financial Advisers today? You will have a better idea of when you will be...

The Most Important Retirement Planning Questions to Ask

Good planning is about listening, asking questions and then offering suggestions – in that order. If you are thinking about your families future, it’s likely time to ask new questions about your overall strategy. “Have you contributed to an RRSP?” is an important consideration to start with, but not necessarily the only question to ask...

Retirement Pension Rollovers

With today’s economic uncertainty, many companies are closing or downsizing. If you are offered a severance or early retirement package you need to carefully evaluate the tax and financial planning implications of your options. A good rule of thumb is not to sign a severance agreement until you’ve had ample time to think it over and do some research....

Structuring Tax Effective Income Streams

Income investors and retirees face a difficult environment. Not only do traditional income producing investments offer low yields, they are subject to a heavy tax burden. Often these income producing investments can result in the clawback of all or a portion of valuable government benefits such age Old Age Security. Avoiding clawbacks takes more than simply...