Whether it’s through life insurance, health insurance or an investment strategy, we can offer solutions to help you build lifetime financial security.
* Financial planning
* Investment strategies
* Insurance
For groups:
We educate. We help individuals, employees and human resource managers understand the financial products that are available on the market today and which are best suited to their specific needs. We help them make informed and educated decisions about the options that are available to them. Our entire philosophy revolves around empowering our clients to understand what they are doing for themselves, their employees or their families. We simply make your money work harder in everything we do. We design effective, efficient life & health benefits plans. We design cost efficient programs that provide the better benefits to your employees at a cost structure that meets the financial realities of your company. We design group savings plans. We educate and assist companies to navigate through the complex options of group registered retirement savings plan (RRSP), deferred profit sharing plans (DPSPs), defined contribution (DCPP) and defined benefit (DBPP) to maximize the value of your plan. We also help to monitor those programs and assist with Capital Accumulation Plans (CAP)/Canadian Association of Pension Supervisory Authorities (CAPSA) guidelines to ensure our clients meet all regulatory requirements. We understand executive compensation. We design plans to eliminate the reverse discrimination that can exist in benefit programs against high wage earners. These plans can include Individual Pension Plan (IPPs), Retirement Compensation Arrangement (RCAs), Supplemental Executive Retirement Plan (SERPs), top ups or reverse combos and other tax efficient ancillary options. Our executive compensation plans can be billed on a fee for service as well as on a commission basis depending on our client’s request. Financial Planners:
Mario Mota CFP, PFP, FMA, CEA, RIS
Cliff Steele CFP, RIS, BBA, BMath
Mark Wiesel BA, CFP, PFP
Disclaimers:
This material is provided for general information and is subject to change without notice. Every effort has been made to compile this material from reliable sources however no warranty can be made as to its accuracy or completeness. Commissions, trailing commissions, management fees, and expenses may all be associated with mutual fund investments. The indicated rates of return are the historical annual compounded total returns including changes in unit/share value and reinvestment of all distributions/dividends. They do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Please read the Fund Facts and consult a professional advisor for individual financial advice based on your personal circumstances before acting. The opinions expressed are those of the author and not necessarily those of Assante Financial Management Ltd. Insurance Products and Services are provided through Assante Estate & Insurance Services Inc. Please visit https://www.assante.com/legal or contact Assante at 1-800-268-3200 for information with respect to important legal and regulatory disclosures relating to this notice.
