Working with you for all your investment planning needs

Meeting your Investment Needs

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Let us help you find ways to save towards achieving your goals and make sure the money you’ve worked hard for is now working for you.

We will work with you to discover clear financial goals and then implement solutions to see these goals achieved.

Throughout the process we will continue to monitor the plans and portfolios to ensure we stay on track and adjust to changing circumstances.

We can help you comfortably transition into your retirement years by planning ahead. We will integrate your personal investments, pensions, government programs, and other sources of income into a consolidated retirement program.

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Different Investment Products we can work with:

  • Registered Retirement Savings Plans (RRSPs)
  • Registered Education Savings Plans (RESPs)
  • Tax Free Savings Account (TFSA)
  • Registered Retirement Income Funds (RRIFs) & Life
  • Income Funds (LIF)
  • Non Registered Accounts
  • GIC’s
  • Annuities

If you’ve made the decision to invest some of your money, you may be wondering which option will offer you the best bang for your buck. Two of the most popular choices among investors are mutual funds and segregated fund policies

What are mutual funds and segregated funds?

Mutual Funds

Mutual funds let investors pool their money together in a fund that’s managed by a qualified investment firm. It’s a process that diversifies your investments, potentially limiting your exposure to market fluctuations. For many people, it’s a very attractive investment option because it’s cost-effective and can be customized to your unique risk tolerance.

Advantages of mutual funds

  • Lower fees: Mutual funds don’t have the insurance guarantees segregated funds have, but that’s why they’re a lot cheaper to purchase.
  • Variety of investment options: There are many different types of mutual funds, which means it’s possible to create an investment package to match your specific risk tolerance. 

Segregated Funds

A segregated fund  policy is similar – like mutual funds, there’s a pooling of investments. But unlike mutual funds, a segregated fund policy includes insurance guarantees that can protect much or even all your original investment.

Advantages of segregated funds

  • Maturity guarantees: One benefit of a segregated fund policy is that they include guarantees between 75% or 100% to your original investment. 
  • Death benefit guarantees: A segregated fund policy also comes with a death benefit guarantee. This means your named beneficiary (or beneficiaries) will receive either the market value of your investments or the guaranteed amount, whichever is higher at the time of your death.
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Retirees who have prepared for their retirement usually rely upon three main sources of income: Social Security, individual or employer-sponsored retirement plans, and their own personal savings or investments.

Together with our advisors, you can create a strategy in combining these elements effectively and with purpose.  We will tailor the retirement solutions to fit your families needs and aspirations as we develop your retirement roadmap together.   

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It takes more than just retirement planning to preserve and enhance your wealth. We will work with you to ensure we maximize and protect your wealth in order to ensure it will pass to future generations efficiently. 

Our team will help you to navigate items pertaining to your unique family situation, which may include: 

  • Planning your Will
  • Ensuring Tax Considerations are Monitored
  • Enhance Philanthropic Endeavors
  • Take into consideration the Estate Recipients and their personal situation.

All segregated funds allow your beneficiaries to receive your money without having those funds flow through your estate. That means the money in your policy won’t be reduced by taxes and the fees associated with settling an estate. It also means your beneficiaries will get the money faster, since segregated funds policies are usually paid out to beneficiaries within a few weeks of the paperwork being filed.

In comparison, you can also arrange to have your registered mutual funds savings passed on to your beneficiaries when you die. If your beneficiary is your spouse, those savings will be transferred to them quickly, though other types of beneficiaries – such as friends or charities – may have to wait longer.

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You’ve worked hard to build your business; we want to help you protect and enhance it. Whether starting a new venture or maintaining a successful one, we can help you address your corporate needs.

Protection of Owners, Key Employees and Corporate Assets

Our team will work with your team. 

We will help to coordinate our professional consultants and financial products to ensure you and your business are protected against unforeseen circumstances.  This will be accomplished using trusted products such as Life, Disability, and Critical illness Insurance to protect what matters most. 

Caring for your workforce

Your business or organization is unique, and so are your people.  Whether you have 5 or 500 employees, we have access to comprehensive group benefits plans to help you retain your valuable staff:

  • Benefits plans available from top providers in Canada.
  • Health and dental care benefits can be quoted to meet the needs of your team.
  • Employee Wellness and disability benefits
  • Life and accidental death and dismemberment benefits
  • International benefits plans
  • Online services are available for all elements of these programs.

Rewarding your workforce

Corporate Investment and Savings Programs

The team at Monahan Financial Planning Group Ltd. can develop and implement the best savings program for your business and its employees.  These planning elements would include:

  • Group Registered Retirement Savings Plans
  • Registered Pension Plans (RPPs)
  • Deferred Profit Sharing Plans (DPSPs)
  • Defined Contribution Plans

Meeting your Needs

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The information on this website is intended for residents of Ontario only.

* The use of e-mail is not a secure medium and personal information should be transmitted by more secure means.

Insurance products, including segregated fund policies are offered through Monahan Financial Planning Group Ltd., and Sean Monahan, Andrew Horodziejczyk, Brandon Bazinet and Deanne Wells-Hunt offer mutual funds through Quadrus Investment Services Ltd. Legal, Copyright and Trademark information.

Freedom 55 Financial and design are trademarks of Canada Life Insurance Company.

Click here to view legal, copyright and trademark information.

Quadrus, Quadrus and design, Quadrus Investment Services Ltd. and design, Quadrus Group of Funds are trademarks of Quadrus Investment Services Ltd. used with permission..