New Calculators | FAQ’s | Site Map

Our advisors are independent professionals who have built their clientele on a strong foundation of one-on-one relationships. Worldsource Financial Management advisors work with each individual client to understand personal financial goals, develop sound financial strategies and create a plan to obtain results. Plans are created to meet investor needs whether those needs call for capital appreciation, income or both. Many advisors are insurance professionals and are certified financial planners or hold a similar designation.

Mutual Fund Dealership

Today, over 800 independent mutual fund advisors channel mutual fund transactions through our dealership, Worldsource Financial Management Inc.

A mutual fund dealer is a company that provides the trading compliance and administration of mutual fund transactions. Regulations require that all mutual fund purchases be provided through a mutual fund dealer. We have a compliance team on staff to deal with all regulators and the major fund companies to ensure that transactions and services provided are compliant with the regulations of these governing bodies.

However, as we continue to set the highest ethical standards for ourselves, operating with confidentiality and integrity, we offer more than just compliance. Worldsource Financial Management provides proactive training, operations and sales support, technically advanced business management and planning tools to benefit both advisors and investors. As well, mutual fund advisors have access to a full suite of securities through Worldsource Securities.

Investment Products & Services

Independence

Perler Financial offers a wide variety of investments products. Our affiliation with a variety of investment companies enables us to provide you with a product you need, regardless of which company it is obtained from.

As Perler Financial Group is not bound to doing business with any one-product provider, our Associates can find the best investment product to suit your needs regardless of the company it is placed with.

Retirement Planning:

Today, people are retiring earlier and living longer. That makes it more important than ever to plan carefully for retirement. We provide you with a complete, personalized, financial plan using our distinct six step process of personal financial planning.

Education savings plans:

Over the past decade, annual post-secondary tuition fees in Canada have on average more than doubled. At the same time, advanced education has become more important to success than ever in our increasingly knowledge based economy. Your Perler Financial Group advisor can help you understand the different characteristics that make RESP’s a powerful cash-accumulation vehicle to plan for the future well-being of your children, or grandchildren.

Estate Planning:

Good financial planning is all about providing for you and your family. And while nobody likes to dwell on it, that means ensuring your loved ones are taken care of after you die. Estate planning is comprised of two major goals. The first, to ensure that the property which you have accumulated over a lifetime is used and distributed, both prior to and after death, in a manner which is consistent with your desire; second, to help preserve this accumulated property by taking steps to minimize the taxes which can cut into an estate, both prior to, and upon death. Your Perler Financial Group advisor will review each step from estate creation to death and equity to provide you with a comprehensive estate plan.

Risk Management:

Replacement of income in the event of accident or illness is vitally important. An income protection plan offers you an income to help you support yourself and your family in the unfortunate event that you are out of work due to accident or illness.

Employee Benefit plans:

Today, employers need well value-added services from their consultants to keep them fully abreast of the technological advantages of a managed heath care approach; completely knowledgeable about how coverage can best be provided and costs controlled; and heads-up on how federal and provincial legislation will affect the benefits their workers receive. Perler Financial Groups associates can provide employers with the edge they need to remain competitive in providing coverage that will help them attract and retain the best and brightest employees.

Wealth Accumulation:

While we believe it is important to monitor risk, it is also important for successful wealth accumulation to take advantage of opportunities through continuous research and assertive investment behavior. Your adviser will discuss your objectives with you, your plans and expectations for the future and your personal priorities to develop the most appropriate wealth accumulation strategy for you.

Financial Planning:

To reach any goal in life it is essential to have a plan. Perler Financial Groups experienced financial planners can help you find the answers and take control of your financial future by developing a long-range plan customized to meet your goals.

Tax Planning:

There are different kinds of investment income – and different tax rules for each. Its worthwhile to consider the kind of income you’ll earn when you devise your investment strategy outside a registered plan. Your Perler Financial group advisor can review the three basic categories of investment income and tax implications they will each have on your plan.

Business continuation plans:

If one partner dies or becomes disabled, it is imperative that the remaining partners have a plan in place guaranteeing that the remaining partners will purchase the interest of the deceased/disable partners share of the business. We can explain your different options to you and ensure you have the most beneficial plan for your business in place.

Charitable giving plans:

Planned giving, or gift planning, is the process of designing charitable gifts so that the donor may direct money to a favorite charity while maximizing tax and other financial benefits. Your Perler Financial Group representative can explain the options of present & deferred giving, and help you determine what fits best into your financial plan.

RRSP:

Putting something away is something we can help you do. And making RRSP contributions is a smart way to do it. Just ask how the beauty of compound interest, tax reduction and tax deferrals will work for you to build real wealth. Life's a long-term proposition. Let us show you how to make it pay. At Perler Financial Group, we can design a Retirement Living Plan tailored to you. So, whatever your goals and lifestyle dreams, we can work with you to help you do all the things you had hoped for in retirement.

RESP:

Give your children or grandchildren a gift that will pay dividends for the rest of their life: a custom education savings plan that, started now, can protect them later from double-digit annual increases in tuition costs. Post-secondary education is more crucial than ever - but it's getting harder to pay for it. The only good news? The younger your children are, the more they can benefit if you start now.

RRIF:

By the end of the year in which you turn 69, you will have to decide what to do with your RRSP. A straight withdrawal will rarely be the best option. So how to decide between RRIFs and annuities? Your Perler Financial Group advisor can help you decide what options fits best into your plans.

Mutual Funds:

With Perler Financial Groups access to the top fund companies, we can provide you with the most diverse portfolio and products to fit your plan and suit your needs.

Life Income Funds:

Life Income Funds, like RRIFs are tax-sheltered plans but are designed to pay out your accumulated registered pension plan or locked-in RRSP/LIRA assets over a number of years.

Segregated Funds:

Segregated (Seg) funds are much like mutual funds in that they are an investment fund that offers growth potential – but unlike mutual funds, Seg funds have the attributes of an insurance product.

Annuities:

Annuities provide income for life, similar to a RRIF. There are many components to each that your Perler Financial Group advisor can explain to you and help you choose which option will fit best into your plans.