Serving Central Ontario
Owen Sound • St. George • Hanover • Waterloo
“One of the many things that makes Rachel so valuable to her clients is her natural gift for putting people at ease. Finances can be stressful, and Rachel’s ability to ease her clients’ stress and uncertainty, and turn it into a practical plan, is invaluable. She deeply cares about all her clients which truly sets her apart.
Everyone could benefit from the wisdom of a financial planner, and Rachel Desmarais has the expertise and professionalism to help you realize your goals.”
– Miguel Cardenas –
Optimization Specialist – Schooley Mitchell
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A Registered Disability Savings Plan (RDSP) is a special program that helps Canadians with disabilities and their families save for long-term financial needs such as future medical and living costs. Like an RESP, investment income is tax-deferred and you may be eligible for government assistance.
The Tax-Free Savings Account is an account that provides tax benefits for saving in Canada. Investment income, including capital gains and dividends, earned in a TFSA is not taxed in most cases, even when withdrawn.
A registered account that allows you to make tax-deferred contributions towards your retirement savings plan. Each dollar you contribute to the plan can lower your taxable income by the amount you invest.
Insurance contracts known as individual variable annuities that offer death benefits and maturity guarantees. Segregated fund contracts offer the growth potential of mutual funds, plus valuable wealth protection features only available through an insurance company.
The Government of Canada allows savings for education to grow tax deferred until the child named in the RESP enrolls in education after high school. The child named in an RESP is known as a beneficiary.
Invest a sum of money for a specific term, or period of time. At the end of that term, you are guaranteed to receive your full principal investment plus interest.
Disability income protection insurance provides you with a monthly income in the case of disability. It is designed to help protect the income of a person who is currently employed.
Critical illness insurance helps survivors manage the costs associated with recovery by providing a valuable lump-sum payment. This money, which can be used for any post-illness expense, helps critical illness survivors deal with the financial demands of recovery.
Long Term Care
Health insurance protection to maintain your quality of life, dignity and financial well-being. If you’re affected by loss of independence, we provide tax-free funds that allow you to choose the care you need, when and where you need it.
Too often we take our staff for granted. The right group benefits solution can provide the employer with a tax break on premiums and enhance employer/employee relations.
Some of the companies we work with
345 8th Street East
Owen Sound, ON