Client Services


Portfolio Management

Keeping Your Portfolio on Course

Sophisticated portfolio construction is supported by our technology-driven platform, featuring ongoing account monitoring and rebalancing. Working together, your advisor and portfolio management team provide you with comprehensive and sophisticated investment solutions.

Did You Know?

  • After many years of compounding, even small performance differences can yield sizeable payout.

Do you need help to pay less tax?

Tax Strategies

Canada is one of the highest taxed countries in the world.

Proper tax planning goes far beyond maximizing RRSPs and filing your annual tax return.

In some cases you can apply to reduce ‘at source’ tax deductions from your pay cheques, to increase your amount of cash on hand throughout the year.

Did You Know?

  • Maximizing your RRSP contribution reduces your taxable income and taxes payable.
  • Income splitting and assigning Canada Pension Plans can reduce taxes.
  • Philanthropic and charitable giving can be a meaningful way to manage your tax efficiency.

optimize tax savings in your retirement years


Are your familiar with the tax-deferred investments available to you?

Registered Retirement Savings Plan (RRSP)

RRSPs are the most tax-effective way to build wealth for your retirement. Contributions are tax deductible and are protected from taxes while they grow over the years leading up to retirement. You can open an RRSP at any age and can keep it until the end of the year you turn 71.

Registered Retirement Income Fund (RRIF)

RRIFs help optimize tax savings in your retirement years. Rather than paying tax on your entire RRSP at the age of 71, you can convert your RRSP to a lower tax income stream. The minimum withdrawal from your RRIF is based on the age of the plan holder or the plan holder’s spouse. If your spouse is younger than you, you can withdraw less per year and pay less tax.

Did You Know?

  • Up to 100% of your RRSP may be invested in foreign holdings.
  • The contribution deadline for the tax year in question is February 28 of the current year (The CRA allows you to make RRSP contributions for the previous tax year in the first 60 days of the following year).
  • You can contribute to up to 18% of your previous years income. Click here to learn more.

Do you have an insurance strategy that lets you sleep at night?


Insurance is more than what-if scenarios. Insurance planning helps protect those close to you by ensuring continuity of income for you, your family and even your business, no matter what happens. The right insurance can protect assets so that they can be transferred from one generation to the next.

Types of Insurance

  • Life Insurance comes in three basic types – Term, Whole and Universal.
  • Critical Illness Insurance provides a cash benefit if you are diagnosed with a critical illness, so that you can deal with the unexpected costs of a critical illness and focus on your health and well-being.
  • Disability Insurance provides income if you become disabled, until you have returned to an active life.
  • Guaranteed Investment Funds, aka Segregated Funds, provide a predetermined minimum value at maturity or at death.

Did You Know?

  • Term Insurance is ideal for both temporary needs and paying off loans.
  • Whole life insurance provides lifetime protection for a fixed premium.
  • Universal life insurance is the most flexible life insurance. You can customize it and easily make changes as your needs change and it offers tax-advantages.

save for a child’s education

Education Savings

RESPs are an ideal way to save for a child’s education. Unlike an RRSP, your RESP plan cannot be used to reduce your taxable income. However, the RESP can grow tax free, until the funds are withdrawn, when the proceeds of the plan are taxed at the beneficiary student’s tax rate. You can contribute up to a lifetime maximum of $50,000 per child.

Did You Know?

  • Canada Education Savings Grant money is available — up to $7,200 per child.
  • You can access your principal at any time, tax-free.

Wills and Estates – It’s Not Complicated

Estate Planning

Are your assets protected?

Many Canadians spend a lifetime working to accumulate assets without making any effort to protect their investments in the event of death and/or disability. Simply put – an estate plan can avoid that.

Whether through insurance or an estate freeze, your Monarch Advisor can help with a sound estate plan that will help transition your assets to your beneficiaries.

Did You Know?

  • Insurance can handle the tax related to the transfer of wealth to beneficiaries.
  • An estate freeze is an estate planning technique that can limit the growth of capital property held during your lifetime; future growth is transferred to your heirs, thereby deferring payable taxes.
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