Ninety-One Percent

Have you ever predicted the future ? 👀 Neither have we.
That’s why being insured and financially protecte is vital to bringing your projects to life. 💲

Plan ahead and contact me today!
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Do you want to provide financial security for your children or benefit from liquidity to maximize your retirement income? iA PAR participating life insurance could be the solution for you and your family.

Let me introduce you to this very advantageous permanent insurance coverage!



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Protecting your income and planning your projects | iA Financial Group Contact an advisor to create your financial plan. Submit this form to speak with an advisor and get a free guide to download.

You work hard for your money, it's time to make your money work hard for you.

Steps for wealth building for working people
Wealth Building Formula
The following are important elements in building wealth:
1. Money- save/invest at least 10% of your income in an income generating asset.
2. Time- building wealth is not a get rich quick scheme. Your money needs to grow over time, meaning that your investment horizon should be a minimum of 10 years.
3. Rate of Return- your rate of return (interest) should always be higher than the rate of inflation.
4. Rate of inflation- if inflation is higher than your rate of return your investment is making a loss. For example, if your bank is paying you 2% on your GIC and inflation is 3%, you are actually losing 1%.
5. Tax- in addition to the rate of inflation, taxes also erode the return on your investment. Therefore, if you have TFSA room, then make your investments using your TFSA so you pay no taxes.

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Don't mistake your knowledge problem for a money problem

TAX ADVANTAGED INVESTMENTS FOR CANADIANS

Over $7,000 in Education Grants available to Canadian Parents.

Hi family, are you taking advantage of the free money given by the government to help save for your child's college or university education?
Start saving for you child's education early by opening up a Registered Education Savings Plan (RESP) and take advantage of $7200 in government grants and thousands more in bonuses. Early planning would save your child from OSAP debt. Don't deny your child their ability to reach their full education potential because you fail plan.

Need some help with setting up a RESP?

We can help you maximise your RESP investment. Request an illustration to see how much you can accumulate by the time your child is ready for university.

Best of all the illustration is free!

RRSP AND TFSA INVESTING
January and February are known as RRSP season in Canada.
A Registered Retirement Savings Plan (RRSP) is an account designed to help Canadians save for retirement. You get immediate tax relief by deducting your RRSP contributions from your income each year. Any income or growth you earn in the account remains tax free until you make withdrawals from the account

According to the CRA, in 2021, you can contribute up to $27,830 towards your RRSP.. Canadians can contribute up to 18% of their income or the maximum contribution limit towards the RRSP.

Question “Are you getting the best ROI on your RRSP and TFSA?”. Most banks pay less than 1% return,

If you want to know where to get the best returns with guarantees on your RRSP and TFSA, contact me for free advice.

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