Investment
We are dedicated to helping our clients develop long-term investment strategies that prioritize quality and diversification, tailored to meet their unique needs and risk preferences. Our goal is to ensure that our clients feel secure and confident in their investments, regardless of market fluctuations, by employing strategies designed to build and preserve financial security and guide them toward achieving their financial goals.
At Allin Wealth Management, our investment consultants provide the following services:
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Personalized Client Engagement: We take the time to get to know each client and their family, understanding their financial goals, investment style, risk tolerance, and time horizon.
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Comprehensive Investment Education: We ensure our clients are well-informed about their investments, spending the necessary time to educate them on various investment topics and addressing any inquiries to ensure they are comfortable throughout the investment process.
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Expertise in Diversified Portfolios: Our consultants are knowledgeable about diversified portfolios and can recommend a mix of investments, including stocks, bonds, mutual funds, and segregated funds. These are selected to offer solid performance potential over time despite the unstable market.
Investment management at Allin Wealth Management extends beyond returns. We consider multiple factors, such as taxation, asset planning, protection, and estate planning, which significantly impact your investment returns. Our holistic approach ensures that all these elements are integrated into a portfolio that works effectively for you.
Real Estate Funds
We are prepared to offer our clients opportunities for real estate exposure in the Canadian market. Through a diversified portfolio, clients can collectively enjoy the benefits of owning real estate assets while benefiting from stable cash flow generated by their investments.
Segregated Funds
Like mutual funds, segregated funds involve pooling money from multiple investors to invest in stocks, bonds, and other securities to grow the overall investment pool. However, the key difference lies in their structure as insurance contracts. With segregated funds, 75% to 100% of the initial investment is guaranteed upon contract maturity or upon death. Moreover, these contracts allow investors to designate beneficiaries, ensuring that the death benefit bypasses probate and directly benefits the named recipients. This feature is particularly advantageous for investors looking to secure their legacy efficiently.
Commercial Mortgages
Private mortgages provide our clients with an excellent opportunity to diversify their investment portfolios away from the volatility of public markets. By investing in private mortgages, clients can benefit from consistent and predictable returns, making it a reliable income stream. Additionally, these investments offer strong credit protection, reducing the risk of significant losses. The favorable loss experience associated with private mortgages further enhances their appeal, providing a stable and secure investment option. This diversification strategy not only helps in achieving financial goals but also ensures a balanced and resilient portfolio.
Registered Education Savings Plan (RESP)
The Registered Education Savings Plan (RESP) is a beneficial incentive endorsed by the Government of Canada, aimed at encouraging Canadian resident children to pursue higher education. Under this plan, the government provides grants of up to $7,200 per child for those whose RESP accounts are established by a subscriber. When the child turns 18 and enrolls in a post-secondary educational institution, they can access the earnings on their investment contributions and grants accumulated over the years. This initiative aims to support families in saving for their children's educational future.
Registered Retirement Savings Plan (RRSP)
An RRSP, or Registered Retirement Savings Plan, is a specialized Canadian account designed for holding savings and investment assets. Contributions to an RRSP are made with pre-tax dollars, allowing for tax-sheltered growth of earnings within the account. Taxes on both investment gains and contributions are deferred until withdrawals are made. Typically, withdrawals are made during retirement when the individual's marginal tax rate is lower compared to their working years. This tax-deferral strategy helps to reduce the overall amount of taxes paid over the long term.
Tax Free Savings Account (TFSA)
The Tax-Free Savings Account (TFSA) is a Canadian benefit available to all residents, offering tax-free withdrawal of investment gains earned within the account. Additionally, TFSA holders can designate a successor holder for their account without impacting the successor's own contribution room. This feature is particularly valuable when strategizing for estate planning purposes.
Publicly traded Stocks, Bonds & Mutual Funds
Enabling investors to pool their funds with others to collectively purchase stocks, bonds, and various investments is a strategic approach to diversifying portfolios and spreading risk across market participants. This method safeguards against individual investment pitfalls while potentially yielding greater returns through collective gains. By spreading investments across different markets and asset classes, we help ensure that our clients avoid overexposure to any single investment, thereby minimizing the impact of market volatility.
