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Investment Planning

With nearly 30 years of experience, we help clients 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.

Accounts

Registered Retirement Savings Plan (RRSP)

  • Invest pre-tax funds that grow tax-free until withdrawal, and deduct contributions on your annual tax return.

Tax-Free Savings Account (TFSA)

  • Save for children’s education with government grants.

Retirement Income Fund (RIF)

  • Converts your RSP at age 71 to provide a regular stream of income.

Locked-In Retirement Account (LIRA)

  • Holds pension funds transferred from an employer’s plan when you leave a job.

Spousal Retirement Savings Plan (SRSP)

  • Allows the higher-earning spouse to contribute in the other’s name, reducing taxes at retirement.

First Home Savings Plan (FHSA)

  • A great way to save for your first home.

Non-Registered Account

  • Regular investment account where earnings are taxed.

In Trust Account

  • Investment account held in a corporation’s name.

Group RSP

  • Employer and employee both contribute to a retirement savings plan.

Products

Individual Stocks

  • Can be held in all types of investment accounts

  • Low cost investment products providing long term growth and income (dividends) in many cases

Mutual Funds

  • Professionally managed investment products that hold a basket of stocks picked by the manager

  • Excellent tool for quick access to stock market and diversification

Exchange Trades Funds (ETFs)

  • 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

  • Good options in today's low interest rate environment, providing potentially higher returns with protection of principal

Alternative Investments

  • 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

  • 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

Disclaimers:

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Tony Gilbert is registered to provide investment advice and products to clients residing in the provinces of British Columbia & Ontario. Investment products, including securities, mutual funds and bonds are provided by Aligned Capital Partners Inc. Tony Gilbert is a Chartered Investment Manager and is also licensed for the sale of insurance products. Tony Gilbert are registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the services and products discussed. The name of the entity being represented should correspond to the business being conducted. Gilbert Wealth Management and Aligned Capital Partners Inc. (ACPI) are separate legal entities.

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ACPI is regulated by the Canadian Investment Regulatory Organization (CIRO.ca) and Member of the Canadian Investor Protection Fund (CIPF.ca) Investment products are provided by ACPI and include, but are not limited to, mutual funds, stocks, and bonds. Tony Gilbert is registered to provide investment advice and solutions to clients residing in the provinces of British Columbia, Alberta, Ontario & Newfoundland. 


Any advice which may be given in respect of non-securities services is given by Tony Gilbert solely and no such advice is given in their capacity as a registrant of ACPI. Canadian Investor Protection Fund (CIPF) coverage is available to CIRO Dealer Members and does not offer protection, within limits, on non-securities products not held by a Member.


Non-securities related business includes, without limitation, fee-based financial planning services; estate and tax planning; tax return preparation services; advising in or selling any type of insurance product including segregated funds and annuities; any type of mortgage service. Accordingly, ACPI is not providing and does not supervise any of the above noted activities and you should not rely on ACPI for any review of any non-securities services provided by Tony Gilbert & Gilbert Wealth Management.


This website is for informational and reference purposes only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult the appropriate professional depending on your particular circumstances. This website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation. The opinions expressed are those of the author and do not necessarily reflect those of ACPI. The information contained on this website is subject to change without notice. Information has been gathered from sources believed to be reliable. Content is accurate as of the date of publication, and subject to change without notice.


By accessing links to external websites, you will be leaving this website, and Gilbert Wealth Management and ACPI are not responsible for the information contained on these external websites. Content may not be reproduced or distributed without the consent of Tony Gilbert or Avery Gilbert.

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