Investment Planning
Simple or extravagant. Short-term or long-term... tell us your dreams.
Whatever your dreams, we help you reach them with simple, straightforward investment strategies that are tailored to your lifestyle and needs. Buying a summer home. Saving for a dream vacation. Retiring in comfort. Whatever your goals include, the investment plans we help you create are as uniquely "you" as is your dream.
We're independent financial planners. That means our financial services aren't tied to any one investment company to find the best asset management solution for you. We shop the market and provide unbiased advice to make sure that your entire investment portfolio is in line with your goals, your dreams and your lifestyle.
From graduate, to newlywed, to starting your own business, to getting ready to retire�we help you keep your investment planning current and in line with what's important to you�today and into the future.
Talk to a financial advisor today... because, the brightest future is the one you planned for.
Tax-Free Savings Account (TFSA)
A TFSA from Strategic Investment Planning provides you with an additional way to save for retirement in a tax-advantaged manner. In addition, a TFSA can help you save for other long-term financial goals, such as big-ticket items, or add to your existing long-term investing strategy.
  • Contribute up to $5,000 each year starting Jan/09
  • Choose from a range of investments
  • All the income (interest, dividends and capital gains) earned in your TFSA are tax-free for life
  • You can withdraw from your TFSA at any time, for any reason and all withdrawals are tax-free.
  • For more information on TFSA's, please download Monarch Wealth's article, A Closer Look at TFSA's (PDF).
    Mutual Funds
    A Mutual Fund is a trust that combines the savings of a number of investors who share a common financial goal.
    A mutual fund is an investment pool that can hold equities, bonds, cash, derivatives or some combination of these, depending on its investment objective. The money in the pool is invested on behalf of the group by a portfolio manager. The value of the investments can go up or down and are affected by many factors including a change in interest rates or exchange rates, the economic conditions in Canada or abroad and news about the companies the fund invests in. If the investments make money, everyone makes money. Conversely, if the investments lose money, everyone loses money.
    As a Strategic Investment Planning Client, you have access to a broad selection of mutual funds to meet your individual investments needs and style.
    Segregated Funds
    A Segregated Fund (Seg Fund) is a type of investment fund administered by Canadian insurance companies in the form of individual, variable life insurance contracts offering certain guarantees to the policyholder such as reimbursement of capital upon death. As required by law, these funds are fully segregated from the company's general investment funds.
    Segregated funds can play an important role as part of a comprehensive financial plan.
    Classified as insurance products, segregated funds (sometimes referred to as Guaranteed Investment Funds or GIFs) offer several unique characteristics, such as:
  • Ability to lock in gains
  • Principal guarantees
  • Death benefit guarantees, and
  • Potential creditor protection
  • These characteristics can make segregated funds an ideal option under certain circumstances. Strategic Investment Planning can help you evaluate the potential benefits of adding segregated funds to your portfolio.
    Guaranteed Investment Certificates (GIC)
    Invest with Peace of Mind
    A GIC is a secure investment that guarantees 100% of the original amount that you invested. Your investment earns interest, at either a fixed or a variable rate, or based on a pre-determined formula.
    Commissions, trailing commission, management fees, and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. To obtain a prospectus, or further information, please contact 705-798-2105. Offers to purchase mutual funds must be made through a registered mutual funds representative. Representatives in the Barrie office are registered to sell mutual funds in Ontario as agents of Monarch Wealth Corporation, a registered mutual fund dealer. These advisors are also licensed to sell a variety of insurance products through a separate insurance entity: Monarch Wealth Assurance Agencies Inc. Guaranteed Income Certificates (GICs) are offered through Monarch Wealth Deposit Group Inc.
    All non-mutual fund related business conducted by your Strategic Investment Planning Representative is not in the capacity of an employee or agent of Monarch Wealth Corporation and is not the responsibility of Monarch Wealth Corporation. Non-mutual fund related business includes, without limitation, advising in or selling any type of insurance product, advising in or selling any type of mortgage service, estate and tax planning or tax return preparation.
    Free financial calculators to help you manage your investments.
    We track the best GIC rate available in 1 to 5 year terms across multiple institutions.
    E-mail us with your questions!
    Michael Dumond
    Susan McArter
    © 2011 Strategic Investment Planning