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WEALTH MANAGEMENT

Turn Your Dreams into a Plan

Your wealth, your life, and your goals are unique. Whether you're looking to protect and grow your assets for future generations, succeed in your business ventures, or prepare for the unexpected— Cole Wealth Management Inc. is here to guide you every step of the way.

Let our deep understanding of what's important to you turn your challenges into opportunities.  

 
Benefits of Investing in Mutual Funds

A mutual fund is a group of investments, such as stocks or bonds, in a single fund. This way, mutual funds allow you to invest in different companies or bonds at the same time. Investing in mutual funds means putting some of your money in a larger pool of funds managed by professional money managers. Due to the large sum of money in the pool, and because your money is managed by specialists, mutual funds can help you diversify your investments, reducing your risk.


Diverse options

Choosing a single company, industry or security isn’t always the best way to invest. Mutual funds can help by allowing you to diversify your investments in many different companies and industries, or in bonds and other securities.

 
Funds when you need them

Typically, mutual fund units can be redeemed – or “cashed out” – at any time. The redemption value will depend on how the fund’s sales charges are set up and the fund’s unit value on the day of redemption. This may be lower or higher than the original purchase price.

Cost effective

Buying a mutual fund means investors can put their money into a variety of securities at a fraction of the cost of purchasing a similar mix of securities individually – a cost that’s shared with other investors.

We can help you pick mutual funds based on your comfort with risk and individual investment goals, putting you in control. Your choice of mutual funds can be updated as your life changes.

Quadrus Investment Services Ltd. offers you a range of planning tools and support to help meet your investment needs.

  • Registered Retirement Savings Plans (RRSP)

  • Registered Education Savings Plans (RESP)

  • Registered Retirement Income Funds (RRIF)

  • Labour-sponsored investment funds

  • Corporate class mutual funds

  • Charitable giving program

  • Tax-efficient monthly cash flow with D series mutual funds

  • Tax-free savings accounts (TFSA)

  • Registered disability savings plans (RDSP)

Through Quadrus Investment Services Ltd., we have access to thousands of mutual funds, including Canada Life Mutual Funds – an exclusive mutual fund family that offers clients a multi-managed, multi-style approach by some of the world's leading investment managers.

Make your investment decisions wisely. Important information about mutual funds is found in the funds' simplified prospectus. You can obtain a copy of this from your investment representative. Please read this carefully before investing. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Unit values and investment returns will fluctuate.

 
Benefits of Investing in Segregated Funds

 

In a nutshell, a segregated fund is a pool of money spread across different investments. It’s managed by experts and helps you diversify your savings and protect them from dips in the market. Depending on how much you’re looking to invest, there’s a broad range of series choices with different fee designs.

Guaranteed Savings Protection

Choose one of our guarantees for maturity and death benefits, 75% or 100% of the amount invested, to help ensure your savings remain protected. This means that when your investment reaches its maturity date or when you pass away, if your investment is worth less than its guaranteed value, the insurance protection will top you up. Naturally, it will be proportionally reduced by any withdrawals.

Diverse Portfolio 

Invest in one of the widest selections of segregated funds in Canada, managed by award-winning investment managers. An advisor can help you make your choice based on your comfort with risk and financial goals.

Estate bypass

When you designate a beneficiary other than your estate, the value of your segregated fund policy flows directly to him or her, generally bypassing the estate and potential probate fees, if any.

Potential creditor protection

Laws may protect a segregated fund policy in the event of bankruptcy or other action by creditors. It’s important to note that creditor protection depends on court decisions and applicable legislation, which can be subject to change and can vary in each province; it can never be guaranteed.

Canada Life™ offers one of the widest selections of segregated funds in Canada, managed by award-winning investment managers. Our disciplined and thorough review and monitoring process means you can confidently and credibly offer these funds to your clients. We believe this new, curated shelf is relevant, competitive and positioned to win.

Features and guarantees vary by policy and age of annuitant and some limitations apply. Maturity and death benefit guarantees are reduced proportionately by withdrawals.

A description of the key features of the segregated fund policy is contained in the information folder.

Any amount that is allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.

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.