{"id":1436,"date":"2024-08-28T13:39:18","date_gmt":"2024-08-28T13:39:18","guid":{"rendered":"https:\/\/ahoudecaron.ca\/?page_id=1436"},"modified":"2026-06-23T12:06:28","modified_gmt":"2026-06-23T16:06:28","slug":"knowledge-centre","status":"publish","type":"page","link":"https:\/\/ahoudecaron.ca\/en\/knowledge-centre\/","title":{"rendered":"Knowledge Centre"},"content":{"rendered":"<div id='full_slider_1'  class='avia-fullwidth-slider main_color avia-shadow   avia-builder-el-0  el_before_av_one_full  avia-builder-el-first   container_wrap fullsize'  ><div  class='avia-slideshow av-lzk7t1rc-2fcb3696785c7dd75902ff58d420de2a avia-slideshow-featured av_slideshow_full avia-slide-slider av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied   avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 28.666666666667%;'><li  class='avia-slideshow-slide av-lzk7t1rc-2fcb3696785c7dd75902ff58d420de2a__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><div class='av-slideshow-caption av-lzk7t1rc-2fcb3696785c7dd75902ff58d420de2a__0 caption_fullwidth caption_center caption_center_framed caption_framed'><div class=\"container caption_container\"><div class=\"slideshow_caption\"><div class=\"slideshow_inner_caption\"><div class=\"slideshow_align_caption\"><h2 class='avia-caption-title '  itemprop=\"name\" >Knowledge Centre<\/h2><\/div><\/div><\/div><\/div><\/div><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-1126 avia-img-lazy-loading-not-1126\"  src=\"https:\/\/ahoudecaron.ca\/wp-content\/uploads\/2024\/04\/system-2660914_1920-1500x430.jpg\" width=\"1500\" height=\"430\" title='system-2660914_1920' alt=''  itemprop=\"thumbnailUrl\"   \/><\/div><\/li><\/ul><\/div><\/div><div id='after_full_slider_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1436'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-898sn-fc561689530b07058778469029c2b633\">\n.flex_column.av-898sn-fc561689530b07058778469029c2b633{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-898sn-fc561689530b07058778469029c2b633 av_one_full  avia-builder-el-1  el_after_av_slideshow_full  el_before_av_section  avia-builder-el-no-sibling  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mqqu2il3-9462c2d83af3fa6dfd0175363830bd1c\">\n#top .av-special-heading.av-mqqu2il3-9462c2d83af3fa6dfd0175363830bd1c{\npadding-bottom:10px;\nfont-size:34px;\n}\nbody .av-special-heading.av-mqqu2il3-9462c2d83af3fa6dfd0175363830bd1c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-mqqu2il3-9462c2d83af3fa6dfd0175363830bd1c .av-special-heading-tag{\nfont-size:34px;\n}\n.av-special-heading.av-mqqu2il3-9462c2d83af3fa6dfd0175363830bd1c .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 990px){ \n#top #wrap_all .av-special-heading.av-mqqu2il3-9462c2d83af3fa6dfd0175363830bd1c .av-special-heading-tag{\nfont-size:32px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top #wrap_all .av-special-heading.av-mqqu2il3-9462c2d83af3fa6dfd0175363830bd1c .av-special-heading-tag{\nfont-size:30px;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-mqqu2il3-9462c2d83af3fa6dfd0175363830bd1c .av-special-heading-tag{\nfont-size:30px;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-mqqu2il3-9462c2d83af3fa6dfd0175363830bd1c .av-special-heading-tag{\nfont-size:30px;\n}\n}\n<\/style>\n<div  class='av-special-heading av-mqqu2il3-9462c2d83af3fa6dfd0175363830bd1c av-special-heading-h3 blockquote modern-quote  avia-builder-el-2  el_before_av_textblock  avia-builder-el-first  av-inherit-size av-linked-heading'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >We believe in the value of sharing financial knowledge.<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-7tcu9e-345a676ae30c42b8cf1c5f5d57ecfee5 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>As professionals in our industry, we understand the benefits and the risks associated with financial products and services, and work to keep you educated and informed so that you can feel confident in your financial strategy and future financial decisions.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lzk89rvo-999c88b3e12cd915e5fd60c242b8cb63\">\n#top .hr.hr-invisible.av-lzk89rvo-999c88b3e12cd915e5fd60c242b8cb63{\nheight:10px;\n}\n<\/style>\n<div  class='hr av-lzk89rvo-999c88b3e12cd915e5fd60c242b8cb63 hr-invisible  avia-builder-el-4  el_after_av_textblock  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k9mywdxe-52ca49db11d72f42ab4f5376b88def13\">\n.avia-section.av-k9mywdxe-52ca49db11d72f42ab4f5376b88def13{\nbackground-color:#ffffff;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-k9mywdxe-52ca49db11d72f42ab4f5376b88def13 main_color avia-section-default avia-no-border-styling  avia-builder-el-5  el_after_av_one_full  el_before_av_section  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1436'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mqqu54g8-e9ce0428800212d22ee58ef20153480c\">\n#top .av-special-heading.av-mqqu54g8-e9ce0428800212d22ee58ef20153480c{\nmargin:25px 0 0 0;\npadding-bottom:10px;\ncolor:#00532f;\nfont-size:34px;\n}\nbody .av-special-heading.av-mqqu54g8-e9ce0428800212d22ee58ef20153480c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-mqqu54g8-e9ce0428800212d22ee58ef20153480c .av-special-heading-tag{\nfont-size:34px;\n}\n.av-special-heading.av-mqqu54g8-e9ce0428800212d22ee58ef20153480c .special-heading-inner-border{\nborder-color:#00532f;\n}\n.av-special-heading.av-mqqu54g8-e9ce0428800212d22ee58ef20153480c .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 990px){ \n#top #wrap_all .av-special-heading.av-mqqu54g8-e9ce0428800212d22ee58ef20153480c .av-special-heading-tag{\nfont-size:32px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top #wrap_all .av-special-heading.av-mqqu54g8-e9ce0428800212d22ee58ef20153480c .av-special-heading-tag{\nfont-size:30px;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-mqqu54g8-e9ce0428800212d22ee58ef20153480c .av-special-heading-tag{\nfont-size:30px;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-mqqu54g8-e9ce0428800212d22ee58ef20153480c .av-special-heading-tag{\nfont-size:30px;\n}\n}\n<\/style>\n<div  class='av-special-heading av-mqqu54g8-e9ce0428800212d22ee58ef20153480c av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-6  el_before_av_hr  avia-builder-el-first  av-inherit-size av-linked-heading'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >FAQs<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lzk89rvo-ad9dc972a5579593286b20caec2adf8d\">\n#top .hr.hr-invisible.av-lzk89rvo-ad9dc972a5579593286b20caec2adf8d{\nheight:25px;\n}\n<\/style>\n<div  class='hr av-lzk89rvo-ad9dc972a5579593286b20caec2adf8d hr-invisible  avia-builder-el-7  el_after_av_heading  el_before_av_one_half '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bb5y3m-5c26d709a51d75d7da13129993baf294\">\n.flex_column.av-bb5y3m-5c26d709a51d75d7da13129993baf294{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-bb5y3m-5c26d709a51d75d7da13129993baf294 av_one_half  avia-builder-el-8  el_after_av_hr  el_before_av_one_half  first flex_column_div av-zero-column-padding  '     ><p><div  class='togglecontainer av-lzlly8ir-717a37729f1e8831345739898b6600c9  avia-builder-el-9  el_before_av_hr  avia-builder-el-first  toggle_close_all' >\n<section class='av_toggle_section av-av_toggle-2a3207bcb9dd4e0b7108107e1ffe7935'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-1' data-fake-id='#toggle-id-1' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-1' data-slide-speed=\"200\" data-title=\"Do I need an Investment Advisor?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Do I need an Investment Advisor?\" data-aria_expanded=\"Click to collapse: Do I need an Investment Advisor?\">Do I need an Investment Advisor?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-1' aria-labelledby='toggle-toggle-id-1' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Once you\u2019ve started your career, start paying taxes, have goals to save and grow assets for retirement, have a home or want to own a home, get married, have children and so on, you\u2019ll benefit from having a financial plan created by a qualified financial advisor. An Investment Advisor has the experience to guide you through these life stages, and ensure you are following a plan or taking on products that are best for your unique situation, while mitigating risk. You will have someone to be accountable to, someone to help you understand your investments and ensure you are prepared for all of life\u2019s unexpected events.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-b1bb6906bddbc417e1591906e8b5012d'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-2' data-fake-id='#toggle-id-2' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-2' data-slide-speed=\"200\" data-title=\"Is my Investment Advisor Registered?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Is my Investment Advisor Registered?\" data-aria_expanded=\"Click to collapse: Is my Investment Advisor Registered?\">Is my Investment Advisor Registered?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-2' aria-labelledby='toggle-toggle-id-2' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Being an informed investor is one of your best defenses against investment fraud. Although most investment advisors are honest and work in your best interest, you still need to carefully choose who you deal with. Securities industry professionals are required to register with the securities regulator in each province or territory where they do business. Registration helps protect investors because securities regulators will only register firms and individuals if they are properly qualified. Use the National Registration Search to check if an individual or firm is registered.<\/span><\/p>\n<p><a href=\"https:\/\/info.securities-administrators.ca\/nrsmobile\/nrssearch.aspx\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">NATIONAL REGISTRATION SEARCH<\/span><\/a><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-70741b57d3a49730aae317c03cb7d731'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-3' data-fake-id='#toggle-id-3' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-3' data-slide-speed=\"200\" data-title=\"Which certifications should my advisor have?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Which certifications should my advisor have?\" data-aria_expanded=\"Click to collapse: Which certifications should my advisor have?\">Which certifications should my advisor have?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-3' aria-labelledby='toggle-toggle-id-3' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Financial certifications signify expertise in the industry, and there are many different certifications available for professional Advisors today. While a financial planning professional or Financial Advisor can have any of several designations or certifications, at the very least you should make sure that he or she is licensed and in good standing with the licensing authority for your province. Below are some of the common designations in Canada:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Certified Financial Planner (CFP) is internationally-recognized designation is granted by FP Canada and helps professionals demonstrate the knowledge and skills needed to work with clients to build a financial plan. An Advisor with a CFP designation must also meet their Dealer&#8217;s requirements before they can provide Financial Planning services &#038; Financial plans to their clients.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Chartered Investment Managers (CIM) work in the area of portfolio management for high-net-worth and institutional clients. CIMs are involved in advanced money management and investment strategies.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Registered Financial Planner (RFP) is for those who have been in the financial planning role for a while and illustrate an advanced commitment with ongoing education. Planners must have been in the industry for a minimum of three years to become an RFP and be actively practicing. There is also a requirement to adhere to the institute\u2019s code of ethics and professional standards to maintain the designation.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-b06cda74f7f443905c8086c166450676'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-4' data-fake-id='#toggle-id-4' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-4' data-slide-speed=\"200\" data-title=\"What does the CFP designation mean?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: What does the CFP designation mean?\" data-aria_expanded=\"Click to collapse: What does the CFP designation mean?\">What does the CFP designation mean?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-4' aria-labelledby='toggle-toggle-id-4' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">A Certified Financial Planner (CFP) has competency and experience in all areas of financial planning. A CFP has completed courses of study in over 100 topics of financial management including equities, taxes, and retirement planning. He or she must also follow the Certified Financial Planner code of ethics. A Certified Financial Planner has a fiduciary responsibility to put your needs and interests above his or her own. While a CFP may profit from a product that is recommended to you, it is unethical for a CFP to recommend a product that is not in your best interest. Hiring a strictly fee-based (as opposed to commission-based) advisor is also a good choice if you&#8217;re concerned about the advisor pushing products. An Advisor with a CFP designation must also meet their Dealer&#8217;s requirements before they can provide Financial Planning services &#038; Financial plans to their clients.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-c2cf18b9f7e0491b28960e386c1076dc'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-5' data-fake-id='#toggle-id-5' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-5' data-slide-speed=\"200\" data-title=\"What do I bring to an initial meeting?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: What do I bring to an initial meeting?\" data-aria_expanded=\"Click to collapse: What do I bring to an initial meeting?\">What do I bring to an initial meeting?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-5' aria-labelledby='toggle-toggle-id-5' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">When you come in for your consultation, your advisor will often give you a list of helpful information to bring. Generally, you may be asked to bring your latest financial statements (banking, investments, employer provided retirement plans, etc.) and a current tax return. Your Advisor will review this information and discuss income sources, retirement contributions, financial or real estate assets, insurance coverage, mortgages, other debts, and estate planning documents that you may have. Prior to the appointment, you may be asked to complete an Information form that provides basic information about you and summarizes your current financial situation.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-cc2267a1cf7aeed04ecbc1c4f707feb8'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-6' data-fake-id='#toggle-id-6' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-6' data-slide-speed=\"200\" data-title=\"What is Estate Planning?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: What is Estate Planning?\" data-aria_expanded=\"Click to collapse: What is Estate Planning?\">What is Estate Planning?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-6' aria-labelledby='toggle-toggle-id-6' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Estate Planning is the process of preparing for the transfer of your wealth to family, friends, charities, etc. after your death. Preparing to care for your loved ones after you are gone, or ensure the details of your assets are handled how you want involves preparation. It can also help to minimize the taxes paid on the transfer of assets upon death.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Estates are also set up to provide specific instructions on how one\u2019s wealth is used to care for that person into old age when they might lose the ability to care for themselves. It is an excellent idea to begin estate planning early.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-mqpgovry-6e84ff02d45a2158d7f929eaf19517bf'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-7' data-fake-id='#toggle-id-7' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-7' data-slide-speed=\"200\" data-title=\"Where can I find Tax receipts and slips?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Where can I find Tax receipts and slips?\" data-aria_expanded=\"Click to collapse: Where can I find Tax receipts and slips?\">Where can I find Tax receipts and slips?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-7' aria-labelledby='toggle-toggle-id-7' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">To help you organize your paperwork and know more timelines, there are different types of tax receipts and slips to prepare. <a href=\"https:\/\/ahoudecaron.ca\/en\/contact\/\">Contact Us<\/a> for more informations.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-33cbd482754bb1535eddf3eba92460fc'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-8' data-fake-id='#toggle-id-8' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-8' data-slide-speed=\"200\" data-title=\"What are trust services?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: What are trust services?\" data-aria_expanded=\"Click to collapse: What are trust services?\">What are trust services?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-8' aria-labelledby='toggle-toggle-id-8' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Trust services are administered by a trust company. Trust companies offer services similar to banks along with the administration of trusts and estates. Trust companies may also act as trustee for a range of registered and tax-deferred savings products and plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A trust company can assist you with estate planning to minimize taxes and transfer your wealth, managing the administration of your trust or distributing your estate upon your death, among other things. Your advisor can provide you with the support and guidance you need to understand how a trust company could assist you.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lzk89rvo-4d1960f0961901f9c5b6bd371ab8b23f\">\n#top .hr.hr-invisible.av-lzk89rvo-4d1960f0961901f9c5b6bd371ab8b23f{\nheight:15px;\n}\n<\/style>\n<div  class='hr av-lzk89rvo-4d1960f0961901f9c5b6bd371ab8b23f hr-invisible  avia-builder-el-10  el_after_av_toggle_container  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bb5y3m-8c386b0476339fb7a4c9cc8a47afbb94\">\n.flex_column.av-bb5y3m-8c386b0476339fb7a4c9cc8a47afbb94{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-bb5y3m-8c386b0476339fb7a4c9cc8a47afbb94 av_one_half  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.av-special-heading-tag{\nfont-size:32px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top #wrap_all .av-special-heading.av-lzlz42nz-c37821b6ae4c34241b0b521b063298e7 .av-special-heading-tag{\nfont-size:30px;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-lzlz42nz-c37821b6ae4c34241b0b521b063298e7 .av-special-heading-tag{\nfont-size:30px;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-lzlz42nz-c37821b6ae4c34241b0b521b063298e7 .av-special-heading-tag{\nfont-size:30px;\n}\n}\n<\/style>\n<div  class='av-special-heading av-lzlz42nz-c37821b6ae4c34241b0b521b063298e7 av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-12  el_before_av_button  avia-builder-el-first  av-inherit-size av-linked-heading'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Have Questions?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lzlz4y8p-dd0cae6f18e36f275d1dd9d5309ab567-wrap avia-button-center  avia-builder-el-13  el_after_av_heading  el_before_av_hr '><a href='https:\/\/ahoudecaron.ca\/en\/contact\/'  class='avia-button av-lzlz4y8p-dd0cae6f18e36f275d1dd9d5309ab567 av-link-btn avia-icon_select-no avia-size-large avia-position-center avia-color-theme-color'   aria-label=\"Contact Us\"><span class='avia_iconbox_title' >Contact Us<\/span><\/a><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lzk89rvo-4d1960f0961901f9c5b6bd371ab8b23f\">\n#top .hr.hr-invisible.av-lzk89rvo-4d1960f0961901f9c5b6bd371ab8b23f{\nheight:15px;\n}\n<\/style>\n<div  class='hr av-lzk89rvo-4d1960f0961901f9c5b6bd371ab8b23f hr-invisible  avia-builder-el-14  el_after_av_button  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k9ixae73-c5bc52262a08e79b255c2b1d52f6793e\">\n#top .hr.hr-invisible.av-k9ixae73-c5bc52262a08e79b255c2b1d52f6793e{\nheight:5px;\n}\n<\/style>\n<div  class='hr av-k9ixae73-c5bc52262a08e79b255c2b1d52f6793e hr-invisible  avia-builder-el-15  el_after_av_one_half  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_2'  class='avia-section av-k9mywdxe-e3de159d7e5c83767e8095d332200fd2 main_color avia-section-default avia-no-border-styling  avia-builder-el-16  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1436'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mqqu6wye-b55561f66af9f5d15467cace76d6a296\">\n#top .av-special-heading.av-mqqu6wye-b55561f66af9f5d15467cace76d6a296{\nmargin:25px 0 0 0;\npadding-bottom:10px;\ncolor:#00532f;\nfont-size:34px;\n}\nbody .av-special-heading.av-mqqu6wye-b55561f66af9f5d15467cace76d6a296 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-mqqu6wye-b55561f66af9f5d15467cace76d6a296 .av-special-heading-tag{\nfont-size:34px;\n}\n.av-special-heading.av-mqqu6wye-b55561f66af9f5d15467cace76d6a296 .special-heading-inner-border{\nborder-color:#00532f;\n}\n.av-special-heading.av-mqqu6wye-b55561f66af9f5d15467cace76d6a296 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 990px){ \n#top #wrap_all .av-special-heading.av-mqqu6wye-b55561f66af9f5d15467cace76d6a296 .av-special-heading-tag{\nfont-size:32px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top #wrap_all .av-special-heading.av-mqqu6wye-b55561f66af9f5d15467cace76d6a296 .av-special-heading-tag{\nfont-size:30px;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-mqqu6wye-b55561f66af9f5d15467cace76d6a296 .av-special-heading-tag{\nfont-size:30px;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-mqqu6wye-b55561f66af9f5d15467cace76d6a296 .av-special-heading-tag{\nfont-size:30px;\n}\n}\n<\/style>\n<div  class='av-special-heading av-mqqu6wye-b55561f66af9f5d15467cace76d6a296 av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-17  el_before_av_hr  avia-builder-el-first  av-inherit-size av-linked-heading'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Glossary of terms<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lzk89rvo-ad9dc972a5579593286b20caec2adf8d\">\n#top .hr.hr-invisible.av-lzk89rvo-ad9dc972a5579593286b20caec2adf8d{\nheight:25px;\n}\n<\/style>\n<div  class='hr av-lzk89rvo-ad9dc972a5579593286b20caec2adf8d hr-invisible  avia-builder-el-18  el_after_av_heading  el_before_av_one_half '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bb5y3m-5c26d709a51d75d7da13129993baf294\">\n.flex_column.av-bb5y3m-5c26d709a51d75d7da13129993baf294{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-bb5y3m-5c26d709a51d75d7da13129993baf294 av_one_half  avia-builder-el-19  el_after_av_hr  el_before_av_one_half  first flex_column_div av-zero-column-padding  '     ><p><div  class='togglecontainer av-lzlly8ir-47533be8c55127973c8b6b498091365f  avia-builder-el-20  el_before_av_hr  avia-builder-el-first  toggle_close_all' >\n<section class='av_toggle_section av-av_toggle-b3d7dfa93c1e7cc587a228902dae6c97'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-9' data-fake-id='#toggle-id-9' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-9' data-slide-speed=\"200\" data-title=\"Annuities\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Annuities\" data-aria_expanded=\"Click to collapse: Annuities\">Annuities<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-9' aria-labelledby='toggle-toggle-id-9' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What are annuities?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">An annuity is a contract that pays a set monthly income for a set period of time. With annuities, you make a lump sum investment to an insurance company and create a stream of income for yourself in the form of monthly payments.<\/span><\/p>\n<p><strong>How do annuities work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">When you purchase an annuity you purchase a guaranteed income that allows you to:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Receive a monthly stream of income following the purchase of the annuity, defer it for a set period of time or save it for your retirement<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Select the period of time you wish to receive the income for: a set period of time or for your lifetime<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Choose fixed or variable monthly payments, depending on your risk tolerance<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The amount you receive monthly depends on how much you purchase and the interest rates. Your advisor can explain how interest rates affect your monthly payment and the different ways annuities are structured.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-2818910a1ebdac1a8320211c177c32c3'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-10' data-fake-id='#toggle-id-10' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-10' data-slide-speed=\"200\" data-title=\"Bonds\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Bonds\" data-aria_expanded=\"Click to collapse: Bonds\">Bonds<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-10' aria-labelledby='toggle-toggle-id-10' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What are bonds?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">A bond is an interest-paying investment. Companies and governments issue bonds to fund operations, innovate and grow.<\/span><\/p>\n<p><strong>How do bonds work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">When you purchase a bond you become a lender &#8211; loaning money to a corporation or government entity, that promises to pay you interest for a certain period of time. The frequency and amount of interest you are paid depends on the terms of the bond:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Long-term bonds usually pay higher interest<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Interest payments are typically paid semi-annually, annually, quarterly or monthly<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Your advisor can help you learn about the different types of bonds available and how they work<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-62247d1621fbd081c9aec2894e689fcc'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-11' data-fake-id='#toggle-id-11' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-11' data-slide-speed=\"200\" data-title=\"Guaranteed Investment Certificate (GIC)\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Guaranteed Investment Certificate (GIC)\" data-aria_expanded=\"Click to collapse: Guaranteed Investment Certificate (GIC)\">Guaranteed Investment Certificate (GIC)<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-11' aria-labelledby='toggle-toggle-id-11' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What is a GIC?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">A GIC is an investment issued by a financial institution such as a bank or credit union. When you purchase a GIC, you are lending the financial institution money for a pre-determined period of time, and the financial institution is promising to pay you back that money plus interest at the end of the period. Financial institutions usually offer many different types of GICs, including GICs that pay a floating rate of interest, GICs that pay interest monthly, quarterly or annually (instead of at the end of the period), and even GICs that pay interest that is tied to the performance of a stock market index. In addition, while an investment in most GICs is locked in for the length of the investment period, some GICs are redeemable before maturity.<\/span><\/p>\n<p><strong>How do GICs work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">A GIC allows you to earn interest on your money for a pre-determined period of time \u2013 ranging from six months to 10 years. However, if a GIC is issued in Canadian dollars and has a term of 5 years or less it may be eligible for deposit insurance from the Canadian Deposit Insurance Corporation.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-e5ad208b59bb9b7888e4637a5dc2c893'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-12' data-fake-id='#toggle-id-12' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-12' data-slide-speed=\"200\" data-title=\"High-interest savings account\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: High-interest savings account\" data-aria_expanded=\"Click to collapse: High-interest savings account\">High-interest savings account<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-12' aria-labelledby='toggle-toggle-id-12' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What is a high-interest savings account?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">A high-interest savings account is a safe, accessible, short- or long-term vehicle where your money typically earns a higher rate of interest when compared to the interest rates offered in a traditional savings account.<\/span><\/p>\n<p><strong>How does a high-interest savings account work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Having a high-interest savings account allows you to:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Start saving with a minimum deposit: Depending on the bank, often $500 will allow you to open an account<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Earn interest monthly: Typically at a higher rate of interest than a traditional daily interest account offers \u2013 interest compounds daily and is credited to your account monthly<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Access your money at any time, conveniently through online banking services<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Consolidate your money with other investment purchases: Your money is ready to be invested when you are<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A high-interest savings account can be held in a variety of investment vehicles including:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">High-interest chequing accounts<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Tax-free savings accounts (TFSA)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">RRSP accounts<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Investment savings accounts<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Business accounts<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-94966b4c2ca629073284ea7166ba7320'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-13' data-fake-id='#toggle-id-13' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-13' data-slide-speed=\"200\" data-title=\"Life Insurance\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Life Insurance\" data-aria_expanded=\"Click to collapse: Life Insurance\">Life Insurance<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-13' aria-labelledby='toggle-toggle-id-13' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What is life insurance?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Life insurance is a policy between you and an insurer that allows you to protect your assets, survivors and dependents from the financial burden of your death.<\/span><\/p>\n<p><strong>How does life insurance work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">If you have a life insurance policy, upon your death, your beneficiaries will receive a guaranteed payment of the value of your policy &#8211; to help them cover your funeral costs, manage debts and assist with supplementing your loss of income. The type of benefit your beneficiaries receive depends on:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Coverage &#8211; The amount of life insurance you purchase is the amount that your beneficiaries will receive, upon your death. Life insurance benefit payments are tax-free.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">To help you determine how much coverage you need you should consider:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Financial needs &#8211; Your standard of living, your assets and liabilities, and how much money will be required to ensure your beneficiaries live a comfortable life when you are gone.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Premiums &#8211; A premium is the amount you pay, usually on a monthly basis, for your life insurance coverage. Your premium is determined by the value of the policy and the duration of coverage, e.g., one, five, ten, 20 years or life.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Type &#8211; There are two main categories of life insurance: term insurance and permanent insurance (including whole life and universal life).<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-7bc4722f75ff9124020cc02f523cf029'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-14' data-fake-id='#toggle-id-14' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-14' data-slide-speed=\"200\" data-title=\"Mutual Funds\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Mutual Funds\" data-aria_expanded=\"Click to collapse: Mutual Funds\">Mutual Funds<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-14' aria-labelledby='toggle-toggle-id-14' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What are mutual funds?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Mutual funds are pools of money contributed by investors with similar investment goals and managed by investment professionals. Mutual funds invest in different securities depending on the investment objective of the fund. For instance, some mutual funds invest in bonds and some invest in stocks, while others invest in both bonds and stocks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The period (or term) of the coverage can be either a fixed number of years or to a set age (e.g. age 65).<\/span><\/p>\n<p><strong>How do mutual funds work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Mutual fund investing offers four main advantages over individual investing:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Professional full-time investment management, to choose and monitor securities<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Diversification to reduce the risk of \u201cputting all your eggs in one basket\u201d<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Liquidity that allows you to buy and sell mutual funds at any time<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Convenience due to the mutual fund manager keeping all records and providing regular reports on your investments and the appropriate tax forms<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-8a5783fa1a1efda703953aa72c54ae98'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-15' data-fake-id='#toggle-id-15' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-15' data-slide-speed=\"200\" data-title=\"Registered Retirement Savings Plan (RRSP)\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Registered Retirement Savings Plan (RRSP)\" data-aria_expanded=\"Click to collapse: Registered Retirement Savings Plan (RRSP)\">Registered Retirement Savings Plan (RRSP)<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-15' aria-labelledby='toggle-toggle-id-15' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What is a Registered Retirement Savings Plan?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">An RRSP is a retirement plan that is registered with the Canada Revenue Agency (CRA) and that you or your spouse make contributions to. Because deductible contributions can be used to reduce your tax and because income or growth earned in the plan is usually exempt from tax while the funds remain in the plan, an RRSP acts like a tax shelter that provides you with a powerful incentive to save money for your retirement years.<\/span><\/p>\n<p><strong>How does a Registered Retirement Savings Plan work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">An RRSP is generally available to you if you have qualifying income. Once you contribute funds into an RRSP, any growth or income earned on the underlying investment will not be taxed until you withdraw that money. In addition, you can claim deductions for contributions you make to your RRSP.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can contribute to an RRSP at any time. However, for contributions to be tax-deductible for any given year, they must be made on or before the 60th day of the next calendar year. This date typically falls on or about March 1.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Annual contributions to an RRSP are generally limited to your annual contribution limit. Unused deduction room from previous years can be carried forward. You can find your unused RRSP deduction room on your Notice of Assessment from the prior calendar year.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-5c644538d79587217eeda70dac78901a'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-16' data-fake-id='#toggle-id-16' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-16' data-slide-speed=\"200\" data-title=\"Registered Retirement Income Fund (RRIF)\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Registered Retirement Income Fund (RRIF)\" data-aria_expanded=\"Click to collapse: Registered Retirement Income Fund (RRIF)\">Registered Retirement Income Fund (RRIF)<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-16' aria-labelledby='toggle-toggle-id-16' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What is a Registered Retirement Income Fund?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">A RRIF is a retirement income plan that is registered with the Canada Revenue Agency (CRA) and that receives cash and qualified investments from a Registered Retirement Savings Plan (RRSP). Income and growth on investments in a RRIF are tax free. However, a prescribed minimum amount must be withdrawn from a RRIF each year and all amounts withdrawn are taxable as income in the year of withdrawal.<\/span><\/p>\n<p><strong>How does a RRIF work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">You can continue to own and maintain the tax shelter on investments in an RRSP after the RRSP matures by transferring those assets to a RRIF. This must happen no later than the end of the year in which you turn 71.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A minimum amount prescribed by the government must be withdrawn from a RRIF each year. As you age, the minimum amount increases as a percentage of the value of the RRIF.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While there is a minimum withdrawal amount, there is no limit to the amount of the withdrawal up to the value of the RRIF. Withholding tax will be held back on certain withdrawals, but do count as tax payable in the year of withdrawal.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-fbb7146e35df9c06c48eb55d6f508986'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-17' data-fake-id='#toggle-id-17' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-17' data-slide-speed=\"200\" data-title=\"Segregated Funds\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Segregated Funds\" data-aria_expanded=\"Click to collapse: Segregated Funds\">Segregated Funds<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-17' aria-labelledby='toggle-toggle-id-17' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What are segregated funds?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">A pool of investments held by the life insurance company and managed separately (i.e. segregated) from its other investments. If you buy a variable insurance contract, sometimes called a segregated fund policy, the value of your policy varies according to the market value of the assets in the segregated funds.<\/span><\/p>\n<p><strong>How do segregated funds work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Unlike mutual funds, segregated funds are structured as an insurance product. Investing in segregated funds provides many insurance backed benefits such as:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Maturity guarantee\u2014upon maturity, 75% to 100% of your investment is guaranteed back to you.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Guaranteed death benefit\u2014your beneficiary is paid a guaranteed amount of money upon your death, even if the value of the asset, at the time of your death, is less than the guaranteed amount.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Creditor protection\u2014your investment may be protected from creditors.<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-d63d2c559748117dc66795669e8215c1'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-18' data-fake-id='#toggle-id-18' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-18' data-slide-speed=\"200\" data-title=\"Stocks\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Stocks\" data-aria_expanded=\"Click to collapse: Stocks\">Stocks<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-18' aria-labelledby='toggle-toggle-id-18' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What are stocks?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Stocks represent a share or partial ownership in a company. A company sells its stock, typically through the stock market, to help grow and improve its business operations.<\/span><\/p>\n<p><strong>How do stocks work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">When you purchase a company\u2019s stock, you buy a share in the company and gain partial ownership of that company. As a shareholder you have a right to:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Receive cash payments for any dividends the company pays on your stocks.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Receive a portion of the proceeds if the company is bought by another company.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Your advisor can help you understand both the growth potential and risks associated with stocks.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-abdc7c3d548bad5dad456f1327a480a6'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-19' data-fake-id='#toggle-id-19' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-19' data-slide-speed=\"200\" data-title=\"Tax-Free Savings Account (TFSA)\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Tax-Free Savings Account (TFSA)\" data-aria_expanded=\"Click to collapse: Tax-Free Savings Account (TFSA)\">Tax-Free Savings Account (TFSA)<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-19' aria-labelledby='toggle-toggle-id-19' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What is a TFSA?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">A Tax-Free Savings Account is a flexible, general-purpose savings vehicle that allows you to make contributions each year and to withdraw funds at any time in the future.<\/span><\/p>\n<p><strong>How does a TFSA work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">A TFSA provides you with a powerful incentive to save by allowing the investment growth to accumulate and be withdrawn tax free. However, unlike an RRSP, you cannot claim a tax deduction for contributions you make to a TFSA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Starting in 2009, all Canadian residents who are 18 years of age or older can contribute a legislated dollar maximum per year a TFSA. If you do not contribute or do not contribute the full amount, the unused amount will carry forward indefinitely.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also, if you withdraw money from your TFSA, the amount withdrawn will be added to your contribution room in the next calendar year.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-0fe574c09837863775672c91e0f7de22'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-20' data-fake-id='#toggle-id-20' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-20' data-slide-speed=\"200\" data-title=\"Term Life\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Term Life\" data-aria_expanded=\"Click to collapse: Term Life\">Term Life<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-20' aria-labelledby='toggle-toggle-id-20' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What is term life insurance?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Whether you are looking to protect your family or your business, Term life insurance offers affordable and flexible protection you can customize to meet your temporary and growing needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The period (or term) of the coverage can be either a fixed number of years or to a set age (e.g. age 65).<\/span><\/p>\n<p><strong>How does term life insurance work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Term life insurance generally offers:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Short-term coverage for a fixed period of time, often one, five, ten or 20 years, or to age 60 or 65<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Structured premium options, based on the type of term life policy and the term<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Lower premiums than permanent life insurance policies, partly because term policies do not offer cash value or other forfeiting values<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you have a term life policy, and die during the term of your policy, your beneficiaries receive a:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Death benefit &#8211; The proceeds of your coverage, in a lump sum payment, which are tax-free<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-av_toggle-575b9e7f66dce9f8404c74acc999a7c1'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-21' data-fake-id='#toggle-id-21' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-21' data-slide-speed=\"200\" data-title=\"Universal Life Insurance\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Universal Life Insurance\" data-aria_expanded=\"Click to collapse: Universal Life Insurance\">Universal Life Insurance<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-21' aria-labelledby='toggle-toggle-id-21' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><strong>What is universal life insurance?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Universal life insurance combines permanent life protection with tax-advantaged investment opportunities to help you increase your long term wealth. Suitable for personal or business needs, universal life insurance can help you:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Leave proceeds to your beneficiary &#8211; tax-free<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Further your retirement and estate planning<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Build tax-deferred equity and accessible cash value over time (may be subject to taxation)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Establish collateral for a bank loan<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Provide key person coverage for your business (business continuity)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Insure multiple lives when you purchase the policy, or later (Term Insurance rider)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">With a selection of product styles and optional coverage features (called riders), universal life is highly customizable to fit into your financial plan.<\/span><\/p>\n<p><strong>How does universal life insurance work?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Universal life insurance offers:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Flexible terms and premiums that can be changed at any time<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Death benefit: varies depending on the premium paid<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Cash value: premiums contribute to the cash value of the policy, which can be accessed if needed<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you have a universal life insurance policy, upon your death your beneficiaries will receive the proceeds of your coverage, in a lump sum payment, tax-free.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lzk89rvo-4d1960f0961901f9c5b6bd371ab8b23f\">\n#top 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avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_themeisle_gutenberg_block_has_review":false,"footnotes":""},"class_list":["post-1436","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Knowledge Centre - Antoine Houde-Caron<\/title>\n<meta name=\"description\" content=\"Stay informed about financial products and services with expert insights that help you make confident financial decisions and plan your future.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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