The latest investment insights

Personal finance & family wealth management services

You’re never too young or too old to start investing. At Fleury Financial, we offer investment strategies that utilize segregated funds and take your investment horizon into consideration against the backdrop of today’s market conditions. Informed wealth management is ultimately about making informed decisions based on a number of variables. We’ll provide hands-on wealth management services to help you achieve your financial goals, based on your unique needs, wants and dreams.

Retirement (RRSP)

A Registered Retirement Savings Plan (RRSP) lets you build tax-deferred retirement savings. As a Canadian government regulated program, RRSPs have special tax benefits. Your annual RRSP contribution can greatly reduce the amount of income tax you pay in that year and the money you put away can have years of tax-deferred growth potential. You only pay tax on the amounts you withdraw.

RRSP investors will appreciate our knowledgeable advice on proven retirement income strategies such as:

  • RRIF – Registered Retirement Income Fund
  • LRIF – Locked-in Retirement Income Fund
  • LLIF – Locked-in Life Income Fund
  • Annuities

Tax Free Savings Accounts (TFSA)

Introduced in 2009, the Tax-Free Savings Account (TFSA) is a way for Canadian residents to set money aside, tax-free, throughout their lifetime. Contributions to a TFSA and the interest on money borrowed to invest in a TFSA are not tax deductible. The income generated in the TFSA is tax-free when withdrawn. For more information, click here.

Cash Flow Planning

Have you ever looked at your personal or household income and wondered where it all goes? If so, we’re here to help with advice and insights designed to add value to your net worth. We’ll assess your income, assets, debts and proximity to retirement, and figure out how much you’re free to spend on the things you need while building for both your short-term and long-term future. We’ll even make recommendations on how to reconfigure certain higher-interest debts so you can avoid wasting money on inefficient interest. Stop swimming upstream. Get in the cash flow with Fleury Financial.

Savings Plans

Various customized non-registered savings plans are available through Fleury Financial including:

  • Segregated funds designed to give you the growth potential of investment funds with the security of insurance guarantees.
  • Guaranteed Investment Certificates (GICs) to provide safe and flexible investment options.

Retirement Planning

Whether your day for retirement is just around the corner or you have many more years of exciting twists and turns ahead, it’s never too late or too early to start planning for retirement. While everyone’s goal is to retire with a stable income distribution strategy that meets their future lifestyle needs and dreams, there are many different investment and savings strategies that could earn you the secure footing you require. Trust the knowledgeable advice of Fleury Financial to help balance your needs of today and tomorrow.

Already have a retirement plan and would like some additional insight? We’d be happy to appraise your current retirement strategy and offer a second opinion, or suggest additional concepts to augment your existing plan.

Estate Planning

Traditional estate planning focuses on two things: money and taxes. At Fleury Financial, our thinking goes beyond the spreadsheet to help families develop a life and legacy plan that encompasses their values and beliefs in addition to their assets. Thoughtful estate planning integrates the personal highpoints and experiences you have accumulated along the way, so you can make a meaningful and lasting impression on the ones you love. We’re here to make estate planning understandable, deeply thought-provoking and completely aligned with your personal goals.

Education Saving (RESP)

As education costs continue to rise, an RESP can help maximize your savings for your child. That means all your money starts working hard toward your savings goals right away.

For children born in 2007 and later, there is no annual limit for contributions and the lifetime limit on the amounts that can be contributed to all RESPs for a beneficiary is $50,000.

Have more questions about our investment solutions that span generations? Visit our FAQ section or contact us to arrange a personal investment consultation.