If your client is looking to retire soon, facing the prospect of retirement can be both exciting and stressful for them. Thank goodness you are here to help! Let’s have a look at the basics of retirement withdrawal products including RRIFs and LIFs, so you can help your client retire with ease. Continue reading “Making Your Client’s Retirement Simple with RRIFs and LIFs”
Category: Investments
A Conversation with Your Client about Robo-Advisors
Recently, WealthBar changed their business name to CI Direct Investing – exciting news! Rebranding aside, they continue to be an excellent option for your client when it comes to efficient, low-cost portfolio management.
The next time you need to speak with a client about robo-investing, you can relax, because we’ve got all the right answers for you. Here is what a typical conversation with your client might look like. Continue reading “A Conversation with Your Client about Robo-Advisors”
Segregated Funds and What They Mean for your Client
The seg-fund space has evolved considerably in recent years and where all types of equity, fixed income and balanced mandates used to only exist as a mutual fund, they now have an analogue in the segregated fund realm as well. Using a segregated fund as an investment vehicle opens the door to a host of features for your client and offers them protection throughout their life and beyond. Most of these features are unique to insurance-based investment products and may not be available through traditional investments like a GIC or mutual fund. So what are some of these great features of a segregated fund? Continue reading “Segregated Funds and What They Mean for your Client”
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Your Segue into Segregated Funds
How a Spousal RRSP Can Benefit Your Client
A spousal* RRSP is exactly what it appears to be, quite simply a Registered Retirement Savings Plan (RRSP) for a spouse; a plan that can not only help your client and their spouse set aside funds for their retirement, but can save them some tax dollars in the process. The general idea of the spousal RRSP is that one person, typically the higher earner, contributes money to the plan on behalf of their spouse. The main benefit for your client is that a contribution can be made each year (subject to your client’s contribution limit) and their spouse will see a tax-free return until those assets are withdrawn. Continue reading “How a Spousal RRSP Can Benefit Your Client”
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The ABCs of Spousal RRSPs
Capital Required for Income
The age-old question when planning for retirement is ‘how much do I need to save’. This calculator asks your clients how much annual income they’d like in retirement and for how long and gives them an idea of how much capital they’ll need to save before retirement to make their dream a reality.
Continue reading “Capital Required for Income”
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Capital Required for Income
Helping Your Client Maximize their RESP
If your client is interested in maximizing their RESP contributions, we have outlined a great strategy for them to consider. Continue reading “Helping Your Client Maximize their RESP”
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Getting the Most from Your RESP
Insure Your Earning Power
What is your client’s most valuable asset? Is it their home, its contents, their vehicle? For most, it’s the ability to earn an income. Share this calculator with your clients to demonstrate the value of their earning power and help them consider whether this asset is adequately protected. Continue reading “Insure Your Earning Power”
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Insure Your Earning Power
Tax Calculator
Share this handy calculator with your client to help them estimate the taxes they owe based on their taxable income. Continue reading “Tax Calculator”
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Tax Calculator
Start Education Planning Now
Is your client waiting to start planning for their child’s education? Sooner is better. Share this Start Education Planning Now Calculator to demonstrate the cost of waiting to invest in an RESP. Continue reading “Start Education Planning Now”
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Start Education Planning Now
RRSP Tax Savings
Share this calculator with your clients to help them estimate the tax savings on their RRSP contribution. It’s easy to use and a helpful tool! Continue reading “RRSP Tax Savings”
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RRSP Tax Savings