A full range of services
to meet your financial needs

We offer a wide range of services to cover every aspect of your financial needs during every stage of your life.

In today’s often complex marketplace, even the most sophisticated investor is challenged to keep up and respond to changing conditions. April’s investment philosophy is founded on the belief that risk/reward opportunities exist throughout all market cycles. When sufficiently attractive prospects are not available, I recommend holding cash. That may differ from most investment philosophies, but I believe that one of the biggest challenges investors face is recognizing that potential investment opportunities today may not be the only possibilities for consideration. The investment opportunities of tomorrow – which could be better, worse or the same – are legitimate competitors for today’s investment dollars. Clearly, taking advantage of these prospects requires cash.

Along with my underlying investment philosophy, I employ a bottom-up security selection approach. I feel strongly that this bottom-up style, combined with the discipline of cutting losses, should produce above average returns over the long term with below-average risk of principal.

Asset allocation does not guarantee a profit nor protect against losses.

No matter what your vision of the future, by starting to save now you can help ensure that you can enjoy the financial freedom to make your own choices later in life. Achieving these goals takes planning and commitment, and can help you feel more in control and confident that you have the basics covered for your future while enjoying life today. It all starts with realistic goal-setting – figuring out where you are now, where you would like to be and what you need to get there. Over time, your priorities will change. There’s one thing that should remain constant no matter what your priorities – taking a long-term view when it comes to saving and investing for your financial future. The sooner you begin assessing your future needs and developing strategies to achieve them, the more likely you are to secure them. We have all the tools to help you plot your course toward a financially secure future.

YOUR VISION FOR THE FUTURE

Before designing your investment plan, consider your goals and vision for the future and establish which priorities you’d like to focus on. Ask yourself:

  • How much can I put into savings each month?
  • What activities or expenses (new car, home electronics, hobbies, travel) do I want to fund while saving for the future?
  • Am I willing to put all or a portion of my bonus, tax return or other income toward a long-term investment strategy?
  • What are my goals and aspirations for the future?
  • What challenges could I face?
  • Am I taking full advantage of any employer-plan benefits I qualify for?

  • Be sure to discuss your answers with us, so we can start incorporating your life’s plans into your overall financial plan.

    We all have to pay taxes, but they can significantly reduce returns on investments, which can impact your portfolio. Savvy tax-planning strategies can be a major component of your financial plan, potentially giving you extra cash to meet your needs and wants. To encourage Canadians to save more, the government created several tax-favoured savings alternatives. Tax-deferred investment accounts include Registered Retirement Savings Plans (RRSPs), company-sponsored pension plans, Individual Pension Plans (IPPs) and Tax-Free Savings Accounts (TFSAs). Investing on a tax-deferred basis means paying taxes later rather than sooner. Any appreciation or interest earned on these investments grows without being taxed. Of course, funds generally become taxable upon withdrawal (except in the case of TFSAs, from which withdrawals are tax-free). While most investments are ultimately taxable, deferring taxes can potentially result in substantial gains over time. Taxes on income, such as dividends or interest must be paid annually in non-registered plans.

    We can help you understand the tax implications of various investment options so you can take advantage of the most tax effective ways to meet your objectives. Not all investment income is taxed equally, and as a result, where you hold your investments matters too. Here are some of the most common types of investment income:

    Types of Income Description Tax Treatment
    Interest Earned on fixed income investments such as Treasury bills, Guaranteed Investment Certificates (GICs), Money Market Investments, Bonds & Bond Mutual Funds Fully taxable at the same marginal tax rate as employment income
    Canadian Dividends Earned when shares of Canadian public corporations pay dividends to their shareholders Preferential tax treatment for individuals through the dividend tax credit
    Capital Gains Realized when an investment is sold for more than its original price Preferential tax treatment, as only 50% of a capital gain is taxable
    Foreign Non-Business Income Earned when you receive dividends from, or interest on, non-Canadian investments Fully taxable at the same marginal rate as employment income
    Return of Capital Occurs when an investment pays an income distribution, but the interest, dividends and realized capital gains earned are less than the distribution amount. REITs, Annuities and mutual funds are the most common types of investments that pay this Not taxable in the year received, but reduces your Adjusted Cost Base (ACB), which generally results in a larger capital gain when the investment is sold

     

    Using tax effective strategies when choosing your investments may help you reduce or defer the amount of tax incurred. Please contact us to schedule a confidential meeting to discuss your investment management.

    While we are familiar with the tax provisions of the issues presented herein, as financial advisors of Raymond James, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

    Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favourite charity, proper estate planning requires careful consideration of many factors to ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.

    Estate Planning will help you cover off important topics such as:

    • Creating valid and current wills for all adults in the family
    • Evaluating insurance coverage
    • Understanding ownership structures (i.e. the use of Joint Tenancy agreements)
    • Realizing advanced estate-planning opportunities (i.e. the use of Living Trusts)
    • Planning charitable gifts

    Questions we can help you with:

    • Will our wealth be a hindrance or a gift to our children?
    • Can we teach our children to respect our financial values?
    • How can I generate sustainable monthly income from my savings?
    • Can we minimize the impact of taxes on our estate?

    Canadians are worried about running out of money in retirement. People are living longer today and the possibility of spending 30 years in retirement requires careful planning and disciplined investing.

    Do you know where your retirement income will come from?

    Find out how you can invest your savings to provide a steady stream of income so you can enjoy your retirement years to the fullest.

    Your retirement income will typically come from a number of different sources. You may be eligible for CPP/QPP and OAS or other government benefits – and you may have a company pension. But, if you’re like most Canadians, you also need to turn your savings into a retirement income stream to help meet your financial needs throughout retirement. Here are some typical questions that we can help you with:

    • Do we have enough savings to sustain our current lifestyle?
    • How much income can I expect to receive from my retirement savings?
    • What are my options for my employee retirement plan now that I’m retiring?
    • Should I take my Canada Pension Plan (CPP) early or wait until age 65 or 70?

    We can also assist you with longevity planning, income planning, tax strategies, multigenerational wealth transfer, charitable giving and more.

    Tax-advantaged retirement plans:

    • A registered retirement savings plan (RRSP) is a tax-deferred way for you to build up retirement savings and investments and these plans have special tax advantages.
    • A tax-free savings account (TFSA) allows you to save money for any purpose, without paying taxes on the investment growth earned.
    • A registered education savings plan (RESP) is a tax-sheltered way to help you save for a child's post-secondary education.
    • A registered disability savings plan (RDSP) is a tax-sheltered way to help you save for the long term financial security of a person who is eligible for the disability tax credit (DTC).
    • A registered retirement income fund (RRIF) is a tax-deferred way for you to use your RRSP savings to generate retirement income.
    • A life income fund (LIF) or locked-in retirement income fund (LRIF) is like a RRIF for “locked-in” money that originally came from a pension plan.

    Every day, when we head out the door, we face risks – both big and small. That’s life. But we certainly don’t want to take risks when it comes to our loved ones. We can make sure everyone is taken care of. That’s why getting life insurance just makes sense. You ensure that your loved ones are protected financially if something happens to you. Remember, you can only get life insurance before you need it. When was the last time you looked at your coverage?

    Here are some commons concerns we are asked about: How can I make certain that my family is comfortable if something happens to me? Can I protect myself and my family from creditors? Is it possible to create my own pension or reliable stream of income? How can I afford long-term care? How will I pay my bills if I get hurt and can’t work? Life insurance, disability insurance, critical illness insurance or a life annuity may be the answer you seek.

    Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. We can provide a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family, your business or your organization. For example, we can help you build a protective cushion with life insurance, preserve your estate with long-term care insurance, and combine protection and tax-advantaged growth opportunities with annuities.

    Annuity
    An annuity guarantees you will receive an income for life, or as long as the annuity contract specifies. Your retirement income will be secure from both market and interest-rate risks.

    Critical illness insurance
    Designed to make a lump sum cash payment that can be used to cover many costs related to illness – including medical care, travel expenses or wages of a family member leaving work to help.

    Disability insurance
    Designed to replace a portion of your income if you become disabled and are unable to earn an income. A disability can result from a number of causes, including an injury, a serious illness or a mental health issue. And the duration of a disability can be either short- or long-term.

    Guaranteed interest products
    There are a number of guaranteed interest products that all offer protection for your initial investment and the opportunity for predetermined growth. The guaranteed return is based on interest rates, the deposit amount, the length of the contract and other factors, depending on the type of product you choose. You’ll have peace of mind knowing your savings are protected from market fluctuations.

    Guaranteed Interest Annuity (GIA) are deposits with insurance companies. They are comparable to GICs offered by a bank, trust company or credit union. A GIA pays interest for a specific term at a guaranteed rate of interest just like a GIC.

    Segregated funds
    Segregated funds, like mutual funds, are market-based investments, but because they are insurance contracts, they also have additional benefits, including efficient estate settlement. There are a number of different types of segregated fund contracts that combine capital protection with growth potential. Your savings will be protected. When your contract matures or when you die, your savings will be guaranteed to return a minimum of 75% up to 100% of the money you put in (less withdrawals). Some segregated fund contracts also offer guaranteed lifetime income.

    Contact us to learn more or for a quote. We’re here to help!

    Guarantees are based on the paying ability of the insurance company. The decision to purchase life insurance should be based upon long-term financial goals and the need for death benefit. Life insurance is not an appropriate vehicle for short-term savings or short-term investment strategies. While the policy allows for loans, you should know that there may be little to no cash value available for loans in the policy’s early years.

    Part of the Raymond James Financial family of companies, Raymond James (USA) Ltd., or RJLU, is a Canadian-based U.S.-registered investment firm offering integrated cross-border wealth management solutions to Americans living in Canada, and Canadians living in the U.S.

    As RJLU advisors, we are licensed and regulated in both Canada and the U.S., and work closely with clients to translate their personal needs into a strategy for their cross-border accounts. We also advise clients on cross-border issues, such as Passive Foreign Investment Company (PFIC) rules and IRA rollovers, and maintain professional networks to assist with planning, taxation and legal services, as required.

    RJLU enables U.S. resident clients to hold both Canadian and U.S. currency accounts. This allows Canadian equities and Canadian dollar denominated fixed income to be added to client portfolios without having to settle in U.S. currency, thus avoiding foreign exchange spreads. U.S. clients can gain expert access to quality Canadian investment-grade instruments with our assistance.

    Raymond James (USA) Ltd., member FINRA / SIPC
    Broker Check by FINRA | www.rjlu.com

    First, Raymond James (USA) Ltd., unlike most investment firms registered with FINRA and the SEC, operates in and across Canada. Our firm is a subsidiary of Raymond James Financial (NYSE:RJF) and has completed an exemption from registration application in Canada to be able to help American citizens living across Canada.

    Second, at Raymond James (USA) Ltd., you'll find an experienced advisor who is registered in both Canada and the United States. We understand the challenges that the cross-border American citizen faces and have strong connections with other cross-border professionals in areas like tax, trust and estate planning, insurance and immigration.

    By being registered in both countries and well connected to other cross-border centers of influence, we can offer you more than just a Canadian wealth management solution. We can offer you a holistic wealth management solution and coordinate your entire portfolio of assets to keep you on track to achieving your financial goals.

    Accounts we manage for cross-border clients include:

    • RRSPs and RRIFs for Canadians living in the U.S.
    • IRAs for Americans living in Canada
    • Investments for Americans wanting Canadian securities
    • Investment accounts for U.S.-resident children of Canadian-resident parents
    • Discretionary and non-discretionary portfolio services in both currencies

    RJLU advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. Investing in foreign securities involves risks, such as currency fluctuation, political risk, economic changes, and market risks.

    Raymond James (USA) Ltd., member FINRA / SIPC
    Broker Check by FINRA | www.rjlu.com