Catherine Leahy Wealth Management

04/29/2026

Is your bank doing what is in your best interest, this article from Zoomer explains alot.

From questionable investment advice to relentless upselling, how the bank-client relationship started going off the rails

03/27/2026

Is it time to review the group benefits you offer your employees?

03/27/2026

Segregated Funds:
Combining Investment Growth with Insurance Protection

Segregated funds are unique investment products managed by insurance companies. They offer the growth potential of the stock market while providing specific guarantees and protections that traditional mutual funds don’t.

Here are the key benefits for your financial plan:

* Principal Protection (Maturity & Death Guarantees):
You are guaranteed to receive at least 75% to 100% of your deposits (minus withdrawals) either when the contract matures or upon your death. This protects your capital even if the markets decline.
* Faster, Private Estate Transfer:
Because these are insurance contracts, they bypass probate—the often slow and expensive legal process of settling a will. Your money goes directly and privately to your beneficiaries, usually much faster than through a standard estate.
* Creditor Protection:
For business owners and professionals, naming a specific beneficiary (like a spouse or child) may shield your investments from creditors during your lifetime and after death.
* Locking in Gains:
Many contracts allow you to "reset" your guaranteed amount. If the market goes up, you can lock in that new, higher value as your new guaranteed floor.
* Understanding the Cost:
These unique protections are essentially insurance for your investments. Because of these benefits, segregated funds typically have higher fees than traditional mutual funds to cover management and insurance costs.

Would you like to see a personalized illustration showing how these guarantees would apply to your specific investment amount?

03/26/2026

Consider some of the unique benefits of owning segregated fund contracts.

The death benefit payout of a segregated fund passes quickly and directly to the named beneficiaries.
The benefit bypasses legal, administration and probate fees associated with the estate, leaving more for beneficiaries.
The estate is distributed in accordance with the owner’s wishes without establishing a trust.
Wealth transfers remain private, and the disclosure of information is minimized (not applicable in Saskatchewan).1
Segregated funds offer potential protection from creditors while the owner is alive, and from estate creditors upon death.
Beneficiaries of a segregated fund are easier to change than those within a will.

Contact me for more information.
The benefit is not subject to any challenges to the will or estate litigation, reducing the potential burden and liability for the estate’s executor.
A segregated fund contract can be an effective tool for financial gifting or charitable donations.
Transferring ownership of segregated funds is a relatively simple process.
Guaranteed Investment Accounts (GIA) and Daily Interest Accounts (DIA) can be held within a segregated fund contract.
An annuity settlement option, if offered, allows the death benefit to be used to buy an annuity and set up periodic payments to pass to the beneficiary for the remaining years of their life or for a specific period.

11/13/2025

Discover all that Catherine Leahy has to offer on our website!

Stay informed with the latest updates, explore our wide range of offerings, and connect with everything exciting happening here.

Visit us at https://catherineleahy.com today to see what’s waiting for you!

Helping you plan a bright future!

06/06/2025

Last day for my assistant she’s been a big help. Wishing her the best on the new endeavour.

05/22/2025

https://youtu.be/hW7cX1ILNeY?si=th1FIiNopdHJeQ1j
Are you looking to remortgage this year? Contact me and I can introduce you to options the bank does not have.

02/27/2025

Thankful for great clients and these beautiful flowers from them ☀️🌹

02/04/2025

Maximize your Tax Savings with a Manulife RRSP Loan Maximizer!

The best time to start contributing is now. Even if you’ve missed making contributions in previous years, don’t worry….there’s no time like the present. An RRSP loan may get you back on track.

The scenario:
You would like to optimize your RRSP investment
Your cash on hand is less than the amount you would like to contribute
You decide you will contribute what you can now and invest the tax refund later

Did you know that I have access to Manulife RRSP loans? If you’d like more information on how easy the application process is, please respond to this email.

Send a message to learn more

02/04/2025

Maximize your Tax Savings with Manulife's RRSP Loan Maximizer!

The best time to start contributing is now. Even if you’ve missed making contributions in previous years, don’t worry….there’s no time like the present. An RRSP loan may get you back on track.

The scenario:
You would like to optimize your RRSP investment
Your cash on hand is less than the amount you would like to contribute
You decide you will contribute what you can now and invest the tax refund later

Did you know that I have access to Manulife RRSP loans? If you’d like more information on how easy the application process is, Please message me for more information.
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Send a message to learn more