Investment Services & Solutions

Retirement Income Planning


Retirement Income Planning

Let's talk about the elephant in the room.

Where are you on the retirement readiness spectrum?

Are you someone that worries about it constantly but are in paralysis as far as plans are concerned?

Are you perhaps great with your intentions and not quite the same with executing the plans you’ve got in your head?

Have your circumstances changed recently, either for the better or as a setback, making your plan for the future less than relevant?

Wherever you are with your plans, we can help. We’ll help break down the retirement dilemma into smaller, bite-sized pieces. The amount you really need is not always the scary figure that makes the headlines on the viral articles! It depends on your current circumstances, the kind of lifestyle you want, the number of dependents you may have, and much more.

Our team combines tax and estate planning to help you make the most efficient use of your assets in retirement. Whether you want to start thinking about it in your 30’s, nearly retired, newly retired or fully retired, we’ll create a written income plan that soothes the tax bite on your retirement income over time and gives you peace of mind.


Insurance & Risk Management

Reduce the impact of life's "what ifs"

Term Life Insurance

Term insurance can often be the best choice for life insurance protection since it can meet your clients' needs now and fit comfortably with their budget. These policies are commonly issued for specified periods, such as ten or 20 years.

Whole Life Insurance

A whole life insurance policy is designed to provide insurance protection for life, with a built-in savings element, provided premiums are paid as specified in the policy.

Universal Life Insurance

Universal life insurance combines permanent life insurance protection with a tax-advantaged investment component. As cash value accumulates, you can use it to pay part or all of your insurance charges.

Disability Insurance

Disability insurance can provide you with financial security by replacing a portion of your earnings when an accident or illness causes you to become disabled and unable to work or earn an income. Accidents and illnesses are a fact of life. They could happen to anyone at any time. 1 in 3 people, on average, will be disabled for 90 days or longer at least once before age 65. The average length of a disability that lasts over 90 days is 2.9 years. Both personal and business disability insurance solutions are available that offer flexibility and features to help bridge the gap between income and expenses during a disability.

Critical Illness

Critical Illnesses happen every day, to young and old alike. Critical Illness Insurance, which can help your clients to protect their assets, savings and business from the high recovery expenses associated with surviving a critical illness. This insurance covers from 4 – 24 critical illnesses or conditions, and provides a lump sum benefit to protect your client and their family’s lifestyle, replace lost income, keep the client’s business going during their recovery period, along with many more important financial situations.

Long Term Care

Canadians are living longer today than previous generations. While this is positive, it presents a greater responsibility for financing the long term care required by elderly Canadians. Nursing facilities and home care costs are expensive, and it is difficult to budget for unknown lengths of time. In Ontario, a privately owned facility can cost over $40,000 annually. Add to this the costs of incidentals that may not be covered under government plans, such as wheelchairs or special therapy costs, and an elderly Canadian’s finances may not last the length of time needed.

Travel Insurance

As a Canadian you have medical coverage in your province, but when you leave the province you are no longer covered. Medical emergencies when you travel outside of your province can be very costly. As a client, you have access to IPC Travel through SecuriGlobe.

Business Insurance

We offer life and health coverage to protect corporations, sole proprietors and partnerships. Other items for business owners to consider is protection for key personnel, buy-sell agreements, employees, family members, shareholders and partners. Unexpected illness, disability and death can disrupt and ruin a business – talk to us today about how to tax efficiently protect your biggest asset your life and your business.

Insurance products offered through IPC Estate Services Inc.


Cash & Credit Management

At the foundation of our offering is a team that brings access to a network of cash and credit management companies, offering some of the best in savings accounts, lines of credit, mortgages, GICs and many other banking services.

This is the framework within which we build custom plans to suit your needs. Whether first home or an investment loan to update a few things on your well-loved family home! The right cash and credit management plan will help you maximize your investment.

Please select the link for a list of our GIC and Mortgage Rates