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When it comes to creating your financial plan, specific services and products may be incorporated. Your plan may include a selection of the items listed below. Upon completing a customized financial plan, your Financial Advisor will be able to determine the right services and products you require. Be sure to contact your Financial Advisor to find out what products and services are most suitable for you.
Click on any of the Service or Product names below to read a brief explanation of that item.
A financial plan is a comprehensive understanding of a client’s current and future financial state. It takes into account risk tolerance, time frames, asset allocation, and multiple known variables to predict the financial state of a client at various phases of their life. A financial plan is developed to help the client meet their financial and personal goals in a manner cohesive with their lifestyle. For more information please contact your advisor.
A retirement plan prepares a client financially for life when paid work ends. It starts earlier in life with a client allocating savings in various products for the time of retirement. When the time comes to retire, a plan often involves the transfer of assets and reallocation of funds for tax purposes. For more information please contact your advisor.
Wealth accumulation is a long term investment strategy. A successful wealth accumulation plan takes into account a client’s risk tolerance and life time frames. It allows assets to be allocated in a way to grow a client’s money while respecting their risk tolerance levels and allowing them the cash flow they may need for their current and future lifestyle. For more information please contact your advisor.
Estate planning is the process of ensuring a client’s estate and assets are passed to the appropriate heirs after their death. Estate planning typically attempts to eliminate uncertainties over the authentic wishes of the client and maximize the value of the estate by reducing taxes and other expenses for the beneficiary. For more information please contact your advisor.
Tax planning takes a logical analysis of a client’s financial plan or situation with a tax perspective in an attempt to pair financial goals with tax-efficient planning. The goal is to align the objectives of a client and their financial plan to create the most tax-saving methods possible. For more information please contact your advisor.
Risk management plans combine a client’s goals for their finances and their tolerance for risk in investments. A risk management plan allocates a client’s assets in products based on the risk involved, ranging from conservative to risky investments, and the goals a client has. A balance between the two is what creates a successful risk management plan. For more information please contact your advisor.
Employee benefit plans 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. Perler Financial advisors keep abreast to the technological advantages of a managed health care approach, completely knowledgeable about how coverage can best be provided and costs controlled and entirely informed on how federal and provincial legislation will affect the benefits their workers receive. For more information please contact your advisor.
A business continuity plan is a plan to continue operations if a workplace is affected by different levels of disaster. In case of the death of a business owner or partner, there needs to be a transfer plan and proper insurance to ensure the business continues to run smoothly. For more information please contact your advisor.
Planned giving is the process of designing charitable gifts so that the donor may direct money to a favourite charity while maximizing tax and other financial benefits. A Perler Financial Group advisor can explain the options of present or deferred giving, and help determine what fits best into a client’s financial plan. For more information please contact your advisor.
An education savings plan is an investment vehicle used by parents or grandparents to save for their children’s post-secondary education. A savings plan will pay dividends for the rest of a children’s life, the younger they are the more they can benefit. Additionally, it can be set up as a source of tax-deferred income, for more information please contacts your advisor.
A mutual fund is a pool of stocks, bonds, and other securities held in trust on behalf of individual investors. When you invest in a mutual fund, you purchase units in a professionally managed portfolio of securities, with each unit representing a share of ownership in the portfolio. Perler Financial Group has access to the top fund companies and can provide the most diverse portfolio and products to fit your plan and suit the client’s needs.
A tax-free savings account is an account that does not charge taxes on any contributions, interest earned, dividends, or capital gains, and it can be withdrawn tax-free. The benefits of a TFSA come from the exemption of taxation on any earned income from the investment. For more information please contact your advisor.
A registered retirement savings plan holds amounts deducted from taxable income, within certain limits, in a tax-deferred state. Contributions can be made until the age of 71 at which time it is required to make withdrawals. For more information please contact your advisor.
A life income fund is a type of registered retirement income fund that is used to hold pension funds, and eventually payout retirement income. This income is to be used to support a lifetime of retirement rather than drawn out in a lump sum. For more information please contact your advisor.
A registered retirement income fund is an option available for registered retirement savings plans assets to pay out a set amount of income each year at retirement while continuing to protect the remaining assets from tax. For more information please contact your advisor.
A registered education savings plan allows a contributor, on a tax-deferred basis, to collect assets on behalf of a beneficiary to pay for post-secondary education. For more information please contact your advisor.
Guaranteed investment certificates are deposit instruments paying a predetermined rate of interest for a specified term. They provide a low risk fixed rate of return. For more information please contact your advisor.
A segregated fund is an investment similar to a mutual fund but is considered an insurance product. They may guarantee a specific return over the life of the investment or upon maturation of the fund. For more information please contact your advisor.
An annuity is a contract that assures a series of payments in exchange for a lump sum investment. They were designed to be a reliable way to secure a steady cash flow during retirement years. For more information please contact your advisor.
Life insurance pays out a sum of money either on the death of the insured person or after a set period. It is an important method of protecting dependents and loved ones so they can live a similar life after the death of a primary earner. For more information please contact your advisor.
Mortgage insurance is an insurance policy that protects a mortgage lender or title holder if the borrower defaults on payments, dies, or is otherwise unable to meet the contractual obligations of the mortgage. For more information please contact your advisor.
Disability insurance offers income protection in the case of long term disability that results in the inability to work for a long period-of-time. For more information please contact your advisor.
Business and key person insurance is a life insurance policy that a company purchases on a key executive’s life. The company becomes the beneficiary of the plan and pays the insurance policy premiums. This process is necessary in the case of a sudden loss of that key person in the business, leading to negative effects on the company’s operations. For more information please contact your advisor.
Critical illness insurance is an insurance product where the insurer is contracted to make a lump sum of payments. These payments will occur if the policyholder is diagnosed with one of the specific illnesses on a predetermined list. For more information please contact your advisor.
A group pension RRSP or insurance is an employer-sponsored retirement savings plan. It is comparable to an individual RRSP but is administered as a group by your employer. Contributions are made through regular payroll deductions on a pre-tax basis. For more information please contact your advisor.