At C. I. Financial, we believe in the power of a holistic financial plan to help you achieve both your personal and business goals. Our wide range of services and products are designed to provide a comprehensive approach to your financial needs. Investments: GIF Select featuring IncomePlus from Manulife Investments Segregated Funds Guaranteed Investment...
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
Retirement should be the culmination of your financial plan, but many individuals find themselves working indefinitely without one. Are you concerned about your retirement prospects? If you haven’t already established a Financial Plan, it’s time to share your dreams with one of our skilled Financial Advisers. By addressing the following essential...
The Most Important Retirement Planning Questions to Ask
In the realm of good planning, our philosophy at C. I. Financial revolves around listening, asking thoughtful questions, and then providing meaningful suggestions – in that precise order. If you find yourself contemplating your family’s future, it’s an opportune time to pose new questions about your overall strategy. While “Have you...
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...
Severance and Termination Services
It is neither a pleasant nor an easy task to lay off staff, or to pressure them into taking early retirement. We feel the pain our clients experience every time, and we are available to facilitate the process where required. In so doing we are able to advise on: o Separation scenarios and their benefits o Pension rollover strategies o Converting options to...