613-283-5510 info@pankow.ca

Investment Services

Investment  Services

People will commonly ask us “What makes you different than working with our advisor at the bank?” No matter where they work, financial advisors play an important role in growing their clients’ financial wealth. Although all advisors have multiple investment options to recommend to their clients, we bring a more comprehensive, more objective approach to investing than most advisors.

As dual-licensed financial advisors, we work with a variety of Canada’s leading mutual fund companies, and life insurance companies, to provide our clients’ with the products and portfolios we believe best support their individual expectations, tolerances and overall objectives. We regard our Investment Services as the design, implementation and management of the various investment products required to support one’s objectives for retirement and estate planning. Furthermore, investment plans are designed to reduce or defer tax on investment income and maximize the returns within each individual investor’s risk tolerance and expectations.

As we are independent, we can construct portfolios from a far broader selection of investment funds than most bank-based advisors. Furthermore, we have the objectivity to select the funds that we believe provide our clients with the best opportunity, for the best overall return at the appropriate level of risk. We leverage research and insights through Canada’s leading fund analytics company -Morningstar – to carefully determine which investments funds we believe make the grade and furthermore, use a proprietary software program – Portfolio Insights – to enable us to continue to modify the progress and composition of all our clients’ investment assets.

We are confident this methodology and objectivity enables us to provide unbiased, impartial recommendations to our clients.

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Are you or someone you know living with a disability? Are you aware that the Government of Canada has developmed a program that can provide you with thousands of dollars in grants and bonds that can be invested for your future financial security?

Yes, believe it or not, for the right people, this means free money from your federal government.

Although this program has been around since 2008, most people are still not aware of it or its benefits.

if you are a resident of Canada under the age of 60, have a Social Insurance Number and are eligible for the Disability Tax Credit, you are eligible to open a Registered Disability Savings Plan. If you are collecting CPP disability or ODSP, you are likely eligible.

The program has two funding elements - one which provides a "matching" grant on contributions you or someone else makes to the plan for you. For example, a $1,500 annual contribution would receive a $3,500 Canada Disability Savings Grant if your family income is under the maximum amount (currently approx. 90,000 annually). The plans, once opened, are eligible for up to a $1,000 annual Canada Disability Savings Bond even with no other contributions.

Someone starting a plan now or in the future is able to go back and claim for all grant and bond amounts they would have been eligible for since 2008. That means that most qualifying people would be eligible for ten years of bond payments - or $10,000, even if they were not able to add any other money to the plan

A RDSP is considered a long-term investment and there are restrictions on when you can withdraw monies to spend. However, considering the incredible benefits they provide, including "free money" from the federal government, everyone who is eligible should get some professional advice to see how these plans can significantly enhance their future financial security.

Furthermore, a parent, spouse or common-law partner can also open a plan for a qualifying beneficiary and manage it on his or her behalf.

If you or someone you know is living with a disability, they should be considering starting a RDSP. I have helped numerous clients estabish a plan and would love to help more people build their future financial security. Call me at 613-283-5510 or message me here to learn more.

Here is a link to the Mackenzie Financial page on RDSPs: www.mackenzieinvestments.com/en/products/rdsp

There are no fees to establish a plan, the savings grow free of tax and future withdrawals do not affect an ODSP payments. These plans are complex and the rules can be a challenge to understand. That's why I am here to help. Please share this with anyone you know who is living with a disability.
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