The right solutions for you.
We’ll review and monitor your plan regularly, so it works for you today and down the road – wherever that road takes you.
We will discuss and choose the financial security products that are right for you.
-Investment solutions to help grow your wealth
-Insurance solutions to protect you and the ones you love
Let’s get started today.
INVESTMENT PRODUCTS
SAVINGS
GIC
Guaranteed Investment Certificates (GICs) are fixed term investments, generally from one to five years in duration. At Mainspring, we have over 40 financial institutions to help you get the best rates on your GIC investments.
RESP
Saving for your child’s or grandchild’s future becomes increasingly important as the cost of post-secondary education continues to increase. Registered Education Savings Plans offer an effective way to maximize the money available to your children or grandchildren when they enrol in a full-time post-secondary program.
RRSP
Still one of the most popular and tax-effective ways to save for your retirement. Your financial security advisor and investment representative has the tools to help you build a portfolio to help you meet your retirement goals with a Registered Retirement Savings Plan.
TFSA
Not your traditional savings account. It’s a type of plan that allows you to earn many types of investment income tax-free (including capital gains). A TFSA can help you save for a large purchase or supplement your retirement savings plan.
INVEST
RRIF
You’ve saved for your retirement and now you need an income. Registered Retirement Income Funds allow you to draw an income while growing your savings tax deferred. You only pay tax on the money you take out. We offer many types of income options, depending on the type of funds you have accumulated.
FHSA
First Home Savings Accounts are a great way to kickstart your homeownership goals. FHSA’s are a registered plan which allows first time home buyers, to save to buy or build a qualifying first home tax-free (up to certain limits).
LIRA/LIF
A Locked-in Retirement Account is a registered pension account that does not permit withdrawals before retirement except in exceptional circumstances. Locked-in Retirement Accounts are designed to hold pension funds for former employer-sponsored plan participants and certain others until they reach retirement age.
INSURANCE PRODUCTS
LIFE INSURANCE
Life insurance helps to create security for you and your family. When you’re no longer here, it can be used to pay final expenses, debts and provide an income for your family.
DISABILITY INSURANCE
Disability insurance can help protect one of your most valuable assets – your income. We have access to disability insurance products designed to help address your needs and help protect your ability to earn an income – something that could be jeopardized if disability strikes.
CRITICAL ILLNESS INSURANCE
Critical illness insurance can help reduce financial stresses at a critical time in your life, and can complement disability and life insurance protection needs. It offers you and your family – as well as your business – the financial resources to help pay for additional expenses often associated with a critical illness or condition.
BUSINESS SOLUTIONS
Group Benefits
If you need effective benefit solutions for your business, we can provide access to customized group benefits plans, including life insurance and disability insurance, as well as health, dental and vision care insurance.
✓ Access to innovative products & services
✓ Benefit plans for foreign workers
✓ Much more
Group RRSPs
If you have a business, group retirement and savings plans can play a key role in helping you attract and retain quality employees. We have access to a wide variety of group retirement and savings plans.
✓ Group registered retirement savings plans
✓ Deferred profit-sharing plans
✓ Defined contribution pension plans
✓ Non-registered savings programs