Services
Providing A Wide Range of Exceptional Financial Solutions
Every successful relationship is based on trust. Trust is built upon the belief that we are working as a true partnership. Open and honest communication, regular contact and updates allows us to create a comprehensive financial plan that includes: Budget and Cashflow Planning, Investment Planning, Retirement Planning, Tax Planning, Risk Management including insurance and Estate Planning.
Your personal net worth goes up and down over time depending on your life stage, what’s happening in the financial markets, what’s happening in the real estate market and the general ebbs and flows of everyday life. Although your net worth is captured at a specific moment in time, regularly updating and reviewing your net worth is a valuable exercise to measure your progress, and to ensure your overall financial plan is staying on track.
Not sure where your money is going month over month? Struggling to pay for current expenses and save for the future? We work with you and provide you the tools to determine where your money is going, where things can be trimmed or reallocated and establish a budget with which you can be confident.
Retirement planning is integral to every financial plan. Whether it’s determining how much annual income you can expect to receive in retirement or determining how much you need to save for your desired income in retirement, we help get you to your retirement goals.
Open (Non-Registered) – CND and US
Tax-Free Savings Accounts (TFSA) – CND and US
Registered Retirement Savings Accounts (RRSP)
Registered Retirement Income Funds (RRIF)
Registered Educations Savings Accounts (RESP)
Registered Disability Savings Plan (RDSP)
Locked-In Registered Retirement Savings Plan (LIRA)
Locked-In Registered Retirement Income Funds (LIF)
Investments are so much more than picking a mutual fund, exchange traded fund or series of stocks and bonds. Investment planning includes an appropriate asset allocation for your risk and objectives, determining the proper account(s) to invest in and regularly reviewing to ensure the recommendations remain suitable for you. We offer mutual funds, exchange traded funds (ETF), GICs, stocks, bonds, segregated funds and regular interest-bearing accounts. These can be invested in any number of account types including: RRSP/ RRIF, TFSA, RDSPs, RESPs, LIRA/ LIF, Non-Registered. Certain accounts can even be denominated in US dollars.
Open (Non-Registered) – CND and US
Tax-Free Savings Accounts (TFSA) – CND and US
Registered Retirement Savings Accounts (RRSP)
Registered Retirement Income Funds (RRIF)
Registered Educations Savings Accounts (RESP)
Registered Disability Savings Plan (RDSP)
Locked-In Registered Retirement Savings Plan (LIRA)
Locked-In Registered Retirement Income Funds (LIF)
Are you ready to invest? Action Financial Group can help you explore investment products for you. Our team of advisors are here to provide you with advice that’s informative, easy to understand and customized for your unique financial circumstances. Let our advisory team help you choose from the following investment options so that you can build a plan that suits your life today and into the future.
Mutual Funds
Stocks
Bonds
Tax Shelters
Exchange Traded Funds
Guaranteed Investment Certificates
Tax planning involves filing income tax returns on time but it also involves investing within the proper accounts, withdrawing from the appropriate accounts, year end tax planning to maximize the taxes you are paying and strategic planning to minimize the amount of tax you owe. iA Private Wealth Inc. and its affiliates do not provide income tax preparation services and do not supervise or review any income tax returns.
Although we cannot write your will for you, we can help you decide how you would like your estate to be distributed and apply techniques that will help achieve your goals. As circumstances change throughout your lifetime, we continue to update and confirm your wishes and how we can best accomplish those wishes.
We advise executors on the process and management of the estate, ensure tax filing deadlines are satisfied, provide a network of referrals for various professionals that will be required and keep you on track for a smooth and orderly distribution. Some estates are complex and require a professional trust company’s management, some estates are very simple and straight forward, however for all the estates in between, we are here for you.
We monitor your account and give advice concerning asset placement and allocation. With proper asset placement, you can shelter less tax-efficient investments that gain interest. You can also use more tax-effective investments that earn dividends and capital gains in your open accounts.
On the other hand, asset allocation offers investment diversification across geographic regions and asset classes such as equities vs. fixed income. The result is the best risk-adjusted returns possible for your personal objectives and risk tolerance.
Our team also keeps track of your situation regarding income tax planning. This can help you avoid triggering unnecessary capital gains, preserve your OAS and other government credits and benefits, and use your tax brackets to your advantage.
Generally, when you think about insurance you think of life insurance. While this is an important insurance, we look at your whole insurance situation to see if there are any gaps in coverage for: life insurance, disability insurance, critical illness insurance, travel insurance and health insurance. If gaps are identified, we provide a recommendation and then work with you to ensure adequate coverage. Insurance can be used to replace an income in the event of a disability, cover tax liabilities upon death or provide peace of mind to a spouse, child or loved one should you pass away. Additionally, insurance can be used as an investment either through a life insurance policy, a segregated fund policy or an annuity.
Annuities
Segregated Funds
Life Insurance
Disability and Critical Illness Insurance
Travel Insurance and Health Insurance
*Insurance products and services are offered through Action Financial Group Ltd., an independent and separate company from iA Private Wealth Inc. Only products and services offered through iA Private Wealth Inc. are covered by the Canadian Investor Protection Fund.
Whether you’re not quite sure if what you’re doing is right for you or you want affirmation that you are on track to meet your goals, we will sit down with you and provide our high-level comments on your situation. No obligation to work with us comes from this discussion nor are any fees due.
Meeting High Standards
iA Private Wealth’s legal and compliance department tracks the activities of all advisors, ensuring that we have the proper credentials and licenses. They also make sure that we do not represent ourselves as something we are not.
They conduct regular audits of advisors to make sure that all regulations are being followed. This also ensures that we give recommendations and hold transactions that are suitable for each client.
The administration team sets up and maintains your accounts. They also send regular statements and confirmations in compliance with what is required by the provincial regulators.
Adhering to Best Practices
We pursue regular education so that we can provide you with dependable advice. Our advice is based on the latest investment, tax, and estate planning facts and philosophies.
On the other hand, our CERTIFIED FINANCIAL PLANNER® professionals and Investment/Insurance Advisors Karin Rimnyak, Ian Barrie, and David Dryburgh endeavor to complete a minimum of 30 hours of continuing education each year. Our advisors also fulfill educational requirements as investment advisors and insurance representatives.
