Investments

Years of experience in ensuring our clients grow and protect their money. We work with your cash flow needs, objectives, desired level of returns and risk tolerance and source the best in class funds to suit your needs.

Our Process

TFSA, RRSP, RESP, and RDSPs are only some of the investment options that we offer. We take into account your needs and tax implications when creating your investment portfolio. 

Since we are an independent firm, we are licensed to deal with all investment companies in Canada. We seek the best products to suit your needs.

We create investment strategies that work for you for best risk adjusted returns.

  • The first step to working on a financial plan is to get to know your current financial situation. In order to assess and give you a solution that will work for you, we spend time getting to know your unique circumstances and needs.

    We collect detailed information on your:

    income, career, family, risk tolerance, debt, cash flow, tax, health, etc.

  • The second step is to understand if your current plan is in tune to achieve your long term goals, objectives and priorities; go through each detail and check for accuracy.

    We consult with other professionals like your accountant, lawyer, etc. to make sure we are on the same page and not missing any valuable information.

  • We tap into our world of knowledge and expertise to work on a practical plan.

    The third step is to find out what strategy best works for your needs while keeping in mind your personal and financial objectives.

    After making sure it is the most practical plan, we implement it by placing insurance and investments as needed, while filling any gaps.

  • The final step is ensuring that the financial plan works for you by setting up regular review meetings to check in and see if the plan is working towards your financial goals.

    Every machinery requires maintenance. Similarly, your plan needs frequent check-ups to make sure that everything is fine. If there are any changes to your situation or lifestyle then we will adjust the strategy and keep it in line with your objectives.

RRSP

A Tax Free Savings Account is a registered investment or savings account that was introduced by the federal government in 2008. It is a flexible investment account with contribution limits or “room”, that allow an individual to earn tax-free investment income and capital gains in the account.

Canadian residents aged 19 years or older with a social insurance number (SIN) can open a TFSA. Contributions to a TFSA are not tax deductible, withdrawals are tax free and you regain your contribution room the following year. You do not need earned income to accumulate contribution room.

We can set up and maintain a TFSA with numerous fund companies.

TFSA

A registered retirement savings plan (RRSP), or retirement savings plan (RSP), is a type of account in Canada for holding qualified retirement savings and investments.

The central idea is to set up a supplementary source of retirement income besides Canada Pension Plan (CPP) and Old Age Security (OAS).

Contributions to RRSPs are deductible from total income, reducing income tax payable for the year in which the contributions are claimed. Any income earned in the RRSP is usually exempt from tax as long as the funds remain in the plan; you generally have to pay tax when you receive payments from the plan. 

We can set up and maintain a RRSP investment account with numerous fund companies.

RESP

Often we come across clients or their dependents who might be disabled. This poses financial stress and unique challenges. Any lifelong disability calls for a special consideration and due planning.

The government of Canada introduced the Registered Disability Savings plan (RDSP) in 2009 to help Canadians with disabilities and their families save for their long-term financial security.

A Canadian resident who is eligible for the Disability Tax Credit (DTC) is also eligible for an RDSP until December 31 of the year they reach age 59. 

Matching Canada Disability Savings Grants and Canada disability savings bond are deposited into a beneficiary’s RDSP to help build long-term savings. 

At True Value Financial, we help clients navigate through the requirements and set up their RDSP investment accounts as part of their financial plan.

RDSP

With a child comes a future full of promise, dreams to fulfill, goals to achieve, and just as many reasons to provide the tools needed to succeed both personally and professionally.

Enabling the pursuit of post-secondary education under the best possible conditions means offering your child a real springboard for the future.

It is true that education is expensive. But it is also an excellent investment. More than ever, employers seek qualified, highly-trained candidates with specialized skills. Two-thirds of jobs require post-secondary education.

The registered education savings plan (RESP) is an ideal financial tool to help your child get off to a strong start in life. The RESP allows you to grow your savings in a tax-sheltered environment, take advantage of generous government grants and therefore build a better tomorrow for those you hold most dear.

We can set up and maintain an RESP with numerous fund companies.

Want to learn more about investments?

By engaging us, you receive the best financial advise in Canada. We sort through all pieces of your financial puzzle and give you a clear picture of a secure financial future.

More Services

Insurance

The idea of any insurance is that you buy it before it is too late. Learn about the types of coverages you should consider buying to ensure you are prepared for life and all it may bring.

Planning

Life is uncertain, let's control what you can with a sound financial plan. Let us help you prepare for unforeseen circumstances and develop a long-term plan tailored to your needs to achieve financial goals.