Investments

Investments can play a key role in your financial security plan. For individuals, a mix of registered and non-registered savings, income and pension plans can help achieve short- and long-term goals. For employee groups, I can offer advice on registered and non-registered savings and pension plans.

 

RRSPs and RESPs

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A registered retirement savings plan (RRSP) has several advantages. For investors under 72, it can allow tax-deferred compound interest and help accumulate savings to achieve long-term retirement goals. It also allows for a variety of choice of specific investment options. For families with children, a registered education savings plan (RESP) can help finance post-secondary education.

Some of the advantages of RRSPs and RESPs include:

  • Tax-deductible RRSP contributions
  • Tax deferral of compounding income and growth
  • Based on a family’s net income and the amount contributed, a government RESP grant is available
  • When money is withdrawn from an RESP, the student typically pays little tax, due to a low income tax rate

Working together, we can examine RRSP and RESP investment options in order to build a customized portfolio that takes into consideration your financial security goals, tolerance to risk and timeline. Contact us today to find out more.

 

Segregated fund policies

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In a segregated fund policy, professional fund managers invest in a variety of individual securities. Depending on the performance of the segregated funds you select, your investment’s unit values will increase or decrease.

As a form of life insurance, it’s important to note that segregated fund policies have distinct advantages for some investors. These can include:

  • Potential for creditor protection
  • Savings on potential probate fees
  • No trustee fees

As a Financial Security Advisor, I have access to a wide variety of segregated funds. Contact us today to discuss how they might strengthen your investment portfolio, and to receive an information package about segregated funds.

Note that any amount allocated to a segregated fund may increase or decrease in value, and is invested at the risk of the policyholder.

 

Group retirement and savings plans

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For business owners, group retirement and savings plans can play a key role in attracting and retaining quality employees.

Just like you, your dedicated employees are working towards a safe, secure future. Either provided independently or paired with group benefits, a group savings plan is a convenient, flexible and affordable way to help your employees reach their long-term financial goals.

Employees gain instant tax savings for their Group RRSP contributions, since they are made using pre-tax payroll deductions. They also receive the peace of mind that comes from knowing every month they are building towards retirement.

I can help you and your valued employees choose group retirement and savings products. We will design an investment plan tailored to fit the needs of everyone involved. Choose from products like:

  • Registered retirement savings plans designed specifically for groups
  • Deferred profit sharing plans
  • Defined contribution pension plans
  • Non-registered savings programs

Contact us today to learn about how group retirement and savings plans can benefit your business.

Address
119 N Main St , Fayette, MO 65248
Email
kyle.elliott@lpl.com
Website
commercialtrustfs.com
Phone
660-248-2222

Services

No single investment strategy or financial plan works for everyone.  My goal is to deliver highly individualized service that effectively addresses the complexity of your financial situation. Commercial Trust Financial Services will analyze where you are financially, where you want to go, and what matters to you the most. I can then help develop a strategic plan for your vision of the years ahead.  My level of service helps ensure that your questions are answered and that you have a thorough understanding of our recommendations. Contact me today to discover the value of experience, unbiased advice and personal service.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC.  Insurance products offered through LPL Financial or its licensed affiliates.  The investment products sold through LPL Financial are not insured Commercial Trust Company deposits and are not FDIC insured.  These products are not obligations of the Commercial Trust Company and are not endorsed, recommended or guaranteed by Commercial Trust Company or any government agency.  The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.Commercial Trust Company and Commercial Trust Financial Services are not registered broker/dealers and are not affiliated with LPL Financial.

The LPL Financial registered representatives of Commercial Trust Financial Services may only discuss and/or transact securities business with residents of the following states: AR, CA, CO, FL, MO, OK

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