A registered retirement savings plan (RRSP) is a government-approved account that allows Canadians to plan for retirement. First introduced in 1957, RRSPs provide a way for individuals to save and invest their money in a tax-efficient manner. Annual contributions to an RRSP can be used as a tax deduction, which reduces the amount of tax a person will pay on their income. In addition, all capital gains and dividends aren’t taxed a long as the money remains in the RRSP. We are happy to help you plan your retirement and diversify your weath using RRSP's.

A non-registered account is a type of investment account that is subject to tax when income is earned on investments held in the account. A non-registered account is sometimes called a “taxable” or “open” account. Contact us for more information.

An annuity is a long-term investment that is issued by an insurance company and is designed to help protect you from the risk of outliving your income. Through annuitization, your purchase payments (what you contribute) are converted into periodic payments that can last for life. Contact us for more information.

A mutual fund is a type of investment vehicle where the money collected from various investors is pooled together to invest in different assets including bonds, stocks, and/or money market investments. Contact us for more information.

A stock portfolio is a collection of stocks that you invest in with the hope of making a profit. By putting together a diverse portfolio that spans various sectors you're able to become a more resilient investor. We discuss your investment risk and retirement plan to build the best stock portfolio for your goals. Contact us for more information.

Setting up a family trust could help you reduce your tax burden, plan how to transfer your wealth, protect your assets, and provide for the next generation. This is particularly true for business owners. Read on to find out if a family trust is a good option for you. A trust is used to transfer the administration of personal or real property (like a house, shares or bonds) to another person (the trustee) for the benefit of a third party (the beneficiary). This means that the property no longer belongs to the person who transferred it. There are several types of trusts, including inter vivos or “living” trusts and testamentary trusts, which are created following a death. Family trusts are a type of inter vivos trust. Contact us for more information.

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Group life insurance is usually provided as term insurance which means that the coverage is only provided during the term of employment. There are two different types of group life insurance that can be offered: employee basic life and dependent life. This is the most basic option for life insurance and gives your employees and their families peace of mind if something were to happen. GET STARTED

A fatal accident is devestating. Having an accidental death benefit for your employees is way to ensure that their loved ones are taken care of if something were to happen. This plan can also be used to top up existing plans, if they qualify. GET STARTED

Dependant Life Insurance is coverage that ensures your employees have financial support to deal with the death of their spouse or other covered dependents. The benefit can provide financial support to cover funeral costs or other final expenses. GET STARTED

If you are disabled as a result of an accident or injury, disability benefits can help to replace or suppliment their income either during a short-term recovery or for long-term situations. Contact us to discuss coverage plans and levels of compensation that are included with your plan. GET STARTED

A supplimental health insurance plan will extend personal protection against health related exspenses. Supplimental programs can include: Dental care Vision care Prescription drugs Emergency travel coverage Some registered specialists and therapists Contact us for a detailed list of coverage options that will suit your needs. GET STARTED

Flexible and affordable. Your employees can choose to waive their health and dental coverage depending on their individual needs. The list of coverage is very detailed and there are numerous options available. Contact an MLA representative today to start your tailored plan. GET STARTED

A group Registered Retirement Savings Plan (group RRSP ) is a retirement savings plan sponsored by you, the employer for your staff. Your staff can contribute through regular deductions from their paycheque, have an automatic payout for unused benefits, or you may contribute to their RRSP on their behalf. GET STARTED

Employee assistance programs are a confidential, short term, counselling service for employees with personal difficulties or addictions that may be affecting their work performance. EAPs grew out of industrial alcoholism programs of the 1940's. If you have a larger organizations, EAPs should be part of your benefits plan to promote wellness that involves written policies, supervisor and employee training, and, where appropriate, an approved drug testing program. GET STARTED