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INDIVIDUAL AND FAMILY

Investment products

Whether you're 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 tailored to your needs.


We 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 Mutual funds are a significant component of most investment portfolios and can be an integral part of your financial security plan. They allow individuals to pool their savings into 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. Available only through an insurance policy, segregated fund policies have unique features and benefits that differentiate them 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 a Credit Planning Consultants, who have the knowledge and experience to help select a mortgage that works for you.​​

Insurance products

In addition to helping you build and manage your investments, we offer insurance products to minimize financial risk for you and your family.

Individual life insurance

There are two types of life insurance coverage – term and permanent. Each offers different features to meet varying needs.

  • Term Life Insurance: Temporary coverage that lasts for a set period and typically renews automatically. Premiums are initially low and remain unchanged during the term.

  • Permanent Life Insurance: Provides lifelong protection, a death benefit, and usually builds cash value. The cash value accumulates on a tax-advantaged basis, and you can withdraw or borrow against it if needed. Withdrawals may be subject to tax.

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

Disability insurance

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

Critical illness insurance

A critical illness, such as a heart attack, cancer, or stroke, can profoundly impact your life physically, emotionally, and financially. Critical illness insurance can protect you and your loved ones from the financial effects of such conditions.
 

Health and dental insurance

With provincial governments reducing healthcare coverage, you may need to pay for expenses like prescription drugs, eye exams, and paramedical services. We can help you build a plan that supplements your provincial government plan.

Solutions Banking™

Daily banking needs are an essential part of your long-term financial security plan. The right banking products, integrated into your overall financial security plan, can make your money work harder and smarter.
 

Solutions Banking™ offers a smart alternative to traditional banks, providing straightforward and competitive services with the convenience of around-the-clock banking.
 

With Solutions Banking™ products and services, you can rely on your financial security and investment representative to identify your long-term goals and discover 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.

Affiliated with Canada Life.

Cole-Wealth-Management-Inc-Logo-66-5568-

102-119 Queen Street

Charlottetown, PE C1A 4B3

Tel:  902-620-0013

Cell: 902-629-9550

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© 2025 Cole Wealth Management Inc.

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