Investment Planning
We work with clients to achieve their financial goals through strategic investments and savings. We build personalized portfolios tailored to your comfort level, combining traditional assets with alternative investment products to enhance diversification and potential returns. Throughout the process, we provide guidance and education so you feel confident in the path we create together.
We use a range of accounts and investment solutions to support your plan, each selected based on how it fits within your overall strategy.
Registered Retirement Savings Plan (RRSP)
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Invest pre-tax funds that grow tax-free until withdrawal, and deduct contributions on your annual tax return.
Tax-Free Savings Account (TFSA)
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Save for children’s education with government grants.
Retirement Income Fund (RIF)
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Converts your RSP at age 71 to provide a regular stream of income.
Locked-In Retirement Account (LIRA)
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Holds pension funds transferred from an employer’s plan when you leave a job.
Group RSP
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Employer and employee both contribute to a retirement savings plan.
Spousal Retirement Savings Plan (SRSP)
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Allows the higher-earning spouse to contribute in the other’s name, reducing taxes at retirement.
First Home Savings Plan (FHSA)
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A great way to save for your first home.
Non-Registered Account
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Regular investment account where earnings are taxed.
In Trust Account
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Investment account held in a corporation’s name.
Individual Stocks
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Can be held in all types of investment accounts
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Low cost investment products providing long term growth and income (dividends) in many cases
Mutual Funds
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Professionally managed investment products that hold a basket of stocks picked by the manager
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Excellent tool for quick access to stock market and diversification
Exchange Trades Funds (ETFs)
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Similar to mutual funds but lower cost as they typically are not managed and simply track an index, for example the Canadian stock market TSX ETF would hold the top 60 Canadian companies
Principal Protected & Autocallable Notes
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Good options in today's low interest rate environment, providing potentially higher returns with protection of principal
Alternative Investments
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Becoming more and more popular as these investments typically don't move in similar fashion to stock market. Real estate is a good example.
Guaranteed Investment Certificates
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Provide a guaranteed rate of return over 1-5 yr periods typically. Funds are locked in for that duration.
Aligned Capital Partners Inc. is our Investment Dealer
Investment services are provided through Aligned Capital Partners Inc. Only investment-related products and services are offered through ACPI and covered by the CIPF. Aligned Capital Partners Inc. (“ACPI”) is a full-service investment dealer and a member of the Canadian Investor Protection Fund (“CIPF”) and the Canadian Investment Regulatory Organization (“CIRO”). Financial planning and insurance services are provided through Gilbert Wealth Management. Gilbert Wealth Management is an independent company separate and distinct from ACPI.