For more information on any of our Financial Solutions and Investments please complete the Financial Solutions Enquiry Form and one of the advisors at Total Financial Solutions will contact you or visit the Total Solutions Website.

Investments

Our goal is to safely build your wealth so that you can enjoy all of the “things” you want out of life, for your entire life. We pride ourselves in being able to make investing easy to understand. We believe in educating our clients so that they are able to make the right decisions, rather than tell them what they should get so that they question it later. 

Our Investment solutions like MIC's provide security and stability.

Mortgage Investment Corporation (MIC)

MICs are companies which are formed to allow investors to invest indirectly in pools of mortgages by buying shares in the MIC.

Other Investment Solutions

Our other Investment Solutions include the following:  

RRSP/RESP/TFSA and Pensions

RRSP is a registered account that allows you to make tax-deferred contributions towards your retirement savings plan.
The new Tax-Free Savings Account (TFSA) is a flexible, registered general-purpose savings vehicle that allows Canadians to earn tax-free investment income to more easily meet lifetime savings needs.
A Registered Education Savings Plan (RESP) is a registered plan that allows family and/or friends to contribute towards a child’s education.
A pension is a steady income given to a person usually after retirement.

Market Investments

Market Investments are investments that trade on an open market like the TSX or Dow Jones. Market Investments include things like stocks, bonds, mutual funds and segregated funds.

Segregated Funds

A segregated fund is an investment fund that combines the growth potential of a mutual fund with the security of a life insurance policy. Segregated funds are often referred to as "mutual funds with a life jacket".

Connor, Clark & Lunn

Total Financial Solutions has created a unique relationship with Connor, Clark & Lunn (CC&L). Together they have assembled an exclusive referral service whereby the advisor (licensed or non-licensed) can refer their clients to CC&L’s services. This opportunity makes institutional level money management services available to clients at a retail level.

Exempt Market Investments

Exempt Market Investments are called this because they are exempt from filing a prospectus with the various securities commissions. Exempt Market Investments can be an important part in a well diversified portfolio.

For more information on any of the above Investment Products please complete the Financial Solutions Enquiry Form and one of the advisors at Total Financial Solutions will contact you or visit the Total Solutions Website.

Insurance Solutions

Insurance can play an important role in the development of someone’s overall financial wellbeing. Trying to figure out the right type and amount of insurance for your own situation can be a confusing and difficult thing to do. Our team will help you to understand the decisions that you have to make regarding insurance and make sure that your insurance needs are taken care of if anything should ever happen. Our simplified insurance solutions include:

Life Insurance

Life Insurance is an important consideration for anyone with responsibilities. In the event that the life insured passes away, a lump sum of money gets paid out to the beneficiary tax free. At Total Financial Solutions, our advisors go through an in depth but easy to understand process to help you select what type of life insurance will be right for you.

Disability Insurance

Disability Insurance provides coverage for your most valuable asset, your ability to earn an income. Disability Insurance will replace your monthly income in the event that you are unable to work due to an injury or illness. As long as the premiums are paid with after tax dollars, the benefits are received tax free.

Critical Illness

Critical illness insurance is similar to life insurance in the sense that it provides a tax free lump sum payment. However, it is different in the fact that life insurance pays when you pass away, but critical illness insurance pays when you contract an illness and live.

Key Man and Buy/Sell

Key Man insurance and buy sell insurance are sub-types of life insurance that are aimed at the business world.

Mortgage or Loan Insurance

Mortgage, operating line, and loan insurance are meant to pay off debt in the event that policy holder passes away.

Long-Term Care Insurance

Long-Term Care Insurance provides a daily benefit, starting as early as the first day, if you lose the ability to care for yourself, and require the services of a long-term care facility or need care at home.

Employee Health Benefits

The most common employee benefit plans include health and dental benefits as well as some kind of life and disability insurance. These plans are meant to cover things that go above and beyond the coverage provided by provincial health care. 

For more information on any of the above Insurance Solutions please complete the Financial Solutions Enquiry Form and one of the advisors at Total Financial Solutions will contact you or visit the Total Solutions Website.