INDIVIDUAL AND FAMILY

Investment products

Whether saving for your child’s education, planning a vacation, building a nest-egg or managing your finances during retirement, we can help you create an investment portfolio that fits your needs.

We also offer a range of specialized investment products, including:

  • Specialized investment solutions

  • Registered education savings plans (RESPs)

  • Registered retirement savings plans (RRSPs)

  • Registered retirement income funds (RRIFs)

  • Guaranteed interest options and income annuities

 

Mutual funds

A significant component of most investment portfolios, mutual funds may fit into your financial security plan. Mutual funds allow individuals to pool their savings in a diverse portfolio of investments managed by professional money managers.

Segregated fund policies

Segregated fund policies are long-term investments that offer capital guarantees. By pooling money from thousands of investors, professional investment managers invest in a variety of individual securities. Since they’re only available through an insurance policy, segregated fund policies have several features and benefits that make them different from mutual funds.

Mortgages

Financing a home may be the biggest financial decision you make. As your financial security advisors, we can help you make the right decision by helping tailor a mortgage to your financial security plan. We work with Canada Life Credit Planning Consultants, who have the knowledge and experience to help select a mortgage that works for you.​​

Insurance products

Along with helping you build and manage your investments, we can help you choose insurance products to minimize financial risk to you and your family.

Individual life insurance

There are two kinds of life insurance coverage – term and permanent. They offer different features to meet different needs.

 

Term life insurance is temporary coverage that lasts for a set period and automatically renews in most cases. With term insurance, the payments you make, called premiums, are set at an initial low cost and won’t change during that period. 

 

Permanent life insurance can protect you and your family throughout your lifetime. It provides a death benefit and usually builds a cash value. The cash value accumulates within the policy on a tax-advantaged basis. If you need to, you can withdraw cash or borrow against its value. Withdrawals may be subject to tax.

Having the right life insurance protection can make a huge difference in your life, and the lives of those close to you. A financial security plan that includes life insurance can help ensure you leave your estate financially secure, and avoid debts and an inadequate income for your family.

Disability insurance

Accidents and illnesses are unfortunate facts of life. Disability insurance coverage is designed to help protect your most valuable asset – your ability to earn an income, which can be jeopardized if tragedy strikes.

Critical illness insurance

A critical illness or condition, such as heart attack, cancer or stroke, can turn your life upside down. It can affect you physically, emotionally and financially. Critical illness insurance can protect both you and those close to you from the financial effects of a critical illness.

Health and dental insurance

Provincial governments continue to cut back their levels of healthcare coverage, leaving you to pay for expenses such as prescription drugs, eye exams and paramedical services. We can help you build a plan that supplements your provincial government plan.​

Solutions Banking™

Many people don’t consider daily banking needs a part of their long-term financial security plan. However, the right banking products, integrated into your overall financial security plan, can have the potential to get your money working harder and smarter.

Solutions Banking™ is a smart alternative to traditional banks: straightforward and competitive with the convenience of around-the-clock banking.

With Solutions Banking™ products and services, you can continue to rely on your financial security and investment representative to identify your long-term goals and new ways to save money, unlocking powerful wealth-building strategies to help you achieve your financial security goals sooner.

Solutions Banking™ products and services, provided by National Bank of Canada, include:

  • Bank accounts

  • Loans and lines of credit

While borrowing to invest can be a powerful means to build wealth, the risks involved make it a strategy that is not suitable for everyone. Leveraging magnifies gains or losses. 

Let's get acquainted. Contact us

We offer a complimentary "Get Acquainted" meeting to describe our services, and to see if our services are right for you.

The information on this website is intended for residents of Prince Edward Island and Ontario only.

Click here to view legal, copyright and trademark information.

Quadrus, Quadrus and design, Quadrus Investment Services Ltd. and design and Canada Life Mutual Funds are trademarks of Quadrus Investment Services Ltd. used with permission.

 

Insurance Products, including segregated fund policies, are offered through Cole Wealth Management Inc., and Investment Representative Lawrence Cole offers mutual funds and compensated referrals through Quadrus Investment Services Ltd.

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

Mortgages are offered through The Canada Life Assurance Company. The Canada Life Assurance Company is a federally regulated life insurance company and the mortgagee. *Inquiries will be referred to a Credit Planning Consultant.

Representing Freedom 55 Financial is a division of The Canada Life Assurance Company.

Canada Life, and Freedom 55 Financial and design are trademarks of The Canada Life Assurance Company.

Shops of St. Avards

11 St. Peters Road

Charlottetown, PE C1A 5N1 

Tel: 902-892-3062 Ext 224

Fax: 902-628-2228

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© 2020 by Cole Wealth Management Inc.