1) Investors Group is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada.
2) Investors Group offers a wide range of financial products and services for individuals and corporations including banking, lending, insurance, investments, retirement planning and more.
3) The document discusses how most Canadians face financial challenges such as preparing for retirement, saving for family members, taxes, debt, and disability. It emphasizes the value of financial advice in helping Canadians overcome these challenges and achieve their financial goals.
Investors Group is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada. Investors Group offers a wide range of financial products and services to both individuals and corporations, including short-term products like checking and savings accounts, long-term lending products like mortgages and loans, and investment and retirement planning products like mutual funds, RRSPs, and tax-advantaged funds. The company takes a personalized approach to financial planning and advice to help clients achieve their financial goals.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term banking, lending, insurance, investment products, and retirement planning services. The document emphasizes that Investors Group provides personalized financial advice and planning to help clients achieve their financial goals and prepare for challenges throughout their lifetime. It highlights the value of financial advice and having a coordinated financial plan.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term banking, lending, insurance, investment products, and retirement planning services. The document emphasizes that Investors Group provides personalized financial advice and planning to help clients achieve their financial goals and prepare for challenges throughout their lifetime. It highlights the value of financial advice and having a coordinated financial plan.
Planning Process. This presentation outlines how we get results for you and your family. If you are tired of having more questions than answers, give me a call. 403 220-9654.
Investors Group is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada. Investors Group offers a wide range of financial products and services, including mutual funds, RRSPs, mortgages, loans, insurance products, and financial planning services. It takes a personalized approach to financial planning tailored to each client's individual needs and goals over their lifetime.
This document summarizes the services provided by Investors Group, one of Canada's largest financial institutions. It offers a comprehensive suite of financial planning and investment management services including mutual funds, segregated funds, tax planning, estate planning, insurance, lending, banking, and retirement planning. The goal is to create a customized financial plan and manage investments to help clients achieve their financial goals for life, retirement, family, and the future.
UNFCU Financial Advisors provides financial advisory and insurance services to individuals and organizations globally. It has offices in New York, Washington D.C., Geneva, and Vienna. It offers a range of employee benefits, health management programs, insurance policies, investment management, and other financial services to support clients worldwide.
The Davit & Miller Group ~ An Introductionbjmilr
The document introduces The Davit & Miller Group at UBS Wealth Management. It describes the team members Benjamin Miller, Robert Davit, and Holli La Fever and their roles and experiences. It also outlines the group's mission to help clients achieve their financial goals through quality service, advice, and portfolio management.
Investors Group is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada. Investors Group offers a wide range of financial products and services to both individuals and corporations, including short-term products like checking and savings accounts, long-term lending products like mortgages and loans, and investment and retirement planning products like mutual funds, RRSPs, and tax-advantaged funds. The company takes a personalized approach to financial planning and advice to help clients achieve their financial goals.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term banking, lending, insurance, investment products, and retirement planning services. The document emphasizes that Investors Group provides personalized financial advice and planning to help clients achieve their financial goals and prepare for challenges throughout their lifetime. It highlights the value of financial advice and having a coordinated financial plan.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term banking, lending, insurance, investment products, and retirement planning services. The document emphasizes that Investors Group provides personalized financial advice and planning to help clients achieve their financial goals and prepare for challenges throughout their lifetime. It highlights the value of financial advice and having a coordinated financial plan.
Planning Process. This presentation outlines how we get results for you and your family. If you are tired of having more questions than answers, give me a call. 403 220-9654.
Investors Group is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada. Investors Group offers a wide range of financial products and services, including mutual funds, RRSPs, mortgages, loans, insurance products, and financial planning services. It takes a personalized approach to financial planning tailored to each client's individual needs and goals over their lifetime.
This document summarizes the services provided by Investors Group, one of Canada's largest financial institutions. It offers a comprehensive suite of financial planning and investment management services including mutual funds, segregated funds, tax planning, estate planning, insurance, lending, banking, and retirement planning. The goal is to create a customized financial plan and manage investments to help clients achieve their financial goals for life, retirement, family, and the future.
UNFCU Financial Advisors provides financial advisory and insurance services to individuals and organizations globally. It has offices in New York, Washington D.C., Geneva, and Vienna. It offers a range of employee benefits, health management programs, insurance policies, investment management, and other financial services to support clients worldwide.
The Davit & Miller Group ~ An Introductionbjmilr
The document introduces The Davit & Miller Group at UBS Wealth Management. It describes the team members Benjamin Miller, Robert Davit, and Holli La Fever and their roles and experiences. It also outlines the group's mission to help clients achieve their financial goals through quality service, advice, and portfolio management.
Kevin Brunner focuses on creating guaranteed retirement income for clients rather than chasing returns. He believes most financial advisors focus on growing assets for their own benefit rather than their clients' needs. Brunner works with small business owners, providing holistic advice on business structures and taxes. His goal is to maximize retirement income through tax efficiency and eliminating inefficiencies.
This document provides an overview of the insurance sector in Bangladesh. It discusses the history and types of insurance, including life, property, fire, marine, and motor insurance. It outlines the economic role of insurance and analyzes the scenario and problems facing the insurance industry in Bangladesh, such as a lack of public awareness, political instability, and insufficient training. Finally, it offers recommendations on how insurance companies can improve, including better education, marketing strategies, and addressing economic and management issues.
Money Plant Financial Services provides various financial planning services including insurance planning, tax planning, investment planning, retirement planning, and more. It aims to provide optimal financial solutions to individuals. The company represents clients, not any specific fund houses or insurance companies. It assists clients in developing financial goals and implementing financial plans through products like life insurance, health insurance, mutual funds, fixed deposits, bonds, and real estate investments. The document provides details on various financial products and services offered by the company.
This document discusses microfinance and its role in economic development. It outlines various microfinance products like microcredit, microsavings, microinsurance, and remittance management that provide small loans, savings opportunities, insurance, and money transfer services to the poor. Microfinance aims to reduce poverty and promote financial inclusion, domestic savings, risk protection, and new business growth. The document also discusses the Grameen Bank microcredit model and social enterprises applying microfinance principles. While microfinance has helped many, some argue it has limits and risks if not implemented as part of a broader development strategy.
This document discusses a bancassurance proposal from Liaison Rwanda Limited to provide insurance products and services through partnerships with banks. The proposal aims to help banks address challenges like increased competition through creating value for both customers and banks. Key elements include offering insurance-linked benefits like credit life assurance and property insurance to bank customers and generating additional income for banks through fees, premium financing, and profit sharing. Liaison would manage and administer the bancassurance programs, provide technical expertise, and train bank staff on the offerings.
This document discusses strategies for building a sound financial plan, including managing expenses, increasing income, paying down debt, establishing an emergency fund, and investing for long-term growth. It emphasizes the importance of working with a licensed financial advisor to develop a customized plan based on individual needs and goals. The advisor can help assess the client's situation, recommend appropriate products and services, and ensure the client is comfortable with the choices made.
This document discusses asset protection planning and summarizes various tools and strategies. It notes that most people only have some pieces of an asset protection plan in place. Effective plans use multiple entities and debt shields across different asset classes. Key protections include homestead exemptions, life insurance, IRAs, retirement accounts, and offshore trusts. The document stresses that asset protection planning should be done proactively with an experienced attorney and aims to set up legal barriers rather than hide assets from creditors.
Reliance Insurance Limited is a leading insurance company in Bangladesh that was established in 1988. It provides various types of non-life insurance such as fire, marine cargo, and motor insurance. The company has grown significantly over the years, with total assets increasing from BDT 1,065 crore in 2006 to BDT 2,263 crore in 2010. Reliance aims to become the premier insurance organization in Bangladesh and deliver high quality customer service. It has a network of 32 branches across the country and over 300 employees.
The document provides information about Wealth Today, a financial planning company based in Australia. It discusses Wealth Today's services and credentials, the current state of household finances and debt in Australia, and introduces the LIFT program which aims to help clients terminate their mortgages while building wealth and securing their financial future and retirement lifestyle. The document promotes the benefits of Wealth Today's holistic advice approach over traditional broker models that focus only on loans and debt.
- The document discusses risk management strategies used by financial institutions to manage credit risk and interest rate risk.
- To manage credit risk, institutions screen borrowers, specialize in certain industries/locations, monitor borrowers, require collateral, and ration credit.
- To manage interest rate risk, institutions conduct income gap analysis to assess how changes in interest rates impact earnings, and duration gap analysis to assess impacts on market value and capital. The analyses are demonstrated on sample bank and finance company balance sheets.
The document discusses the process of registering banks and financial institutions in Nepal according to the Bank and Financial Institutions Act (BAFIA) 2063. It involves getting approval from the Nepal Rastra Bank (NRB), incorporating and registering the company with the Company Registrar's Office, and obtaining an operating license from NRB. Fees for registration depend on the company's registered capital and range from Rs. 150000 to Rs. 160000 + Rs. 3000 per crore. Challenges include excessive bureaucracy, lack of proper documents, and a time-consuming process. The document also summarizes the registration process for insurance companies according to the Insurance Act 2049 and discusses some major insurance companies in Nepal like Prime
This document summarizes a client's current financial situation, including:
- Current life insurance policies for the client and spouse.
- Debts, income, mortgage, and education details.
- Assets categorized as taxable, tax-deferred, or tax-advantaged and how the client intends to use each asset.
- Personal details for the client and spouse such as names, dates of birth, employment, and retirement goals.
The document appears to be from a financial advisor seeking to provide an overview of a client's finances and recommendations to improve their financial independence and planning.
Este documento resume el modelo de crecimiento organizacional de Greiner, el cual plantea que las organizaciones pasan por 6 fases de evolución (creatividad, dirección, delegación, coordinación, colaboración y alianzas) separadas por crisis. Al final de cada fase, las organizaciones deben superar crisis estructurales para continuar creciendo de manera estable. El modelo ayudará a la organización LOOP:ConsultoresIT a predecir problemas, tomar decisiones óptimas y gestionar su crecimiento a lo largo del tiempo.
Actividad 8. taller práctico 10 claves para la implementación de tendencias y...julio arrieta
El taller práctico: 10 claves para la complementación de tendencias y enfoques innovadores contiene el desarrollo de un taller practico donde se utilizan las tic
Este documento resume el Modelo de Crecimiento Organizacional de Greiner, el cual describe 5 fases por las que pasa una organización a lo largo de su crecimiento: 1) Creatividad, 2) Dirección, 3) Delegación, 4) Coordinación y 5) Colaboración. Cada fase termina en una crisis que la organización debe superar para pasar a la siguiente. El documento analiza cada fase y la crisis asociada, y proyecta cómo este modelo podría aplicarse a la organización LOOP:ConsultoresIT a lo largo de su desarrollo.
El documento describe el modelo de crecimiento organizacional de Greiner, el cual consta de cinco fases: creatividad, dirección, delegación, coordinación y colaboración. Cada fase se caracteriza por una crisis que lleva a la organización a evolucionar hacia la siguiente. El documento analiza cada fase y cómo podrían manifestarse en la empresa de consultoría de tecnología LOOP:ConsultoresIT a lo largo de su crecimiento.
Reto es una empresa mexicana especializada en la integración de servicios y soluciones de tecnologías de la información y comunicaciones.
Desde sus inicios en 1989, la empresa ha ido desarrollando una oferta de productos y servicios especializados de la más alta calidad, adecuados al rápido crecimiento de las telecomunicaciones en México. Hoy en día somos de las pocas empresas mexicanas que pueden ofrecer a sus clientes soluciones integrales convergentes para sus necesidades de telecomunicaciones presentes y futuras.
Contamos con sólidas alianzas con los principales fabricantes líderes en el mundo, lo cuál nos permite brindarle a nuestros clientes las mejores soluciones tecnológicas del mercado.
Permítanos ser nosotros quiénes nos ocupemos de sus comunicaciones mientras usted se dedica a hacer crecer su negocio.
This document describes a wheelchair control system using head motion detection. The system uses tilt sensors connected to the user's head to detect forward, backward, left and right motions. The tilt sensors send signals to a microcontroller which controls a motor driver to move the wheelchair motors in the corresponding directions. The microcontroller also interfaces with an LCD display to show the user the detected head movements and corresponding wheelchair motions. The goal is to provide independent mobility to people with severe disabilities affecting the use of hands.
This document provides information about various programs run by Community Partners in Action (CPA) that work with criminal justice-involved individuals and youth. It discusses CPA's Waterbury Alternative in the Community program that helps women through a case management model. It highlights National Volunteer Month and examples of volunteers supporting CPA programs. It also recognizes CPA staff who received awards for their work and upcoming events supporting CPA.
What does Lucena have to say about the value of #MachineLearning? Read all about it in this week's infographic: http://lucenaresearch.com/utilizing-cointegration-for-frx/
Kevin Brunner focuses on creating guaranteed retirement income for clients rather than chasing returns. He believes most financial advisors focus on growing assets for their own benefit rather than their clients' needs. Brunner works with small business owners, providing holistic advice on business structures and taxes. His goal is to maximize retirement income through tax efficiency and eliminating inefficiencies.
This document provides an overview of the insurance sector in Bangladesh. It discusses the history and types of insurance, including life, property, fire, marine, and motor insurance. It outlines the economic role of insurance and analyzes the scenario and problems facing the insurance industry in Bangladesh, such as a lack of public awareness, political instability, and insufficient training. Finally, it offers recommendations on how insurance companies can improve, including better education, marketing strategies, and addressing economic and management issues.
Money Plant Financial Services provides various financial planning services including insurance planning, tax planning, investment planning, retirement planning, and more. It aims to provide optimal financial solutions to individuals. The company represents clients, not any specific fund houses or insurance companies. It assists clients in developing financial goals and implementing financial plans through products like life insurance, health insurance, mutual funds, fixed deposits, bonds, and real estate investments. The document provides details on various financial products and services offered by the company.
This document discusses microfinance and its role in economic development. It outlines various microfinance products like microcredit, microsavings, microinsurance, and remittance management that provide small loans, savings opportunities, insurance, and money transfer services to the poor. Microfinance aims to reduce poverty and promote financial inclusion, domestic savings, risk protection, and new business growth. The document also discusses the Grameen Bank microcredit model and social enterprises applying microfinance principles. While microfinance has helped many, some argue it has limits and risks if not implemented as part of a broader development strategy.
This document discusses a bancassurance proposal from Liaison Rwanda Limited to provide insurance products and services through partnerships with banks. The proposal aims to help banks address challenges like increased competition through creating value for both customers and banks. Key elements include offering insurance-linked benefits like credit life assurance and property insurance to bank customers and generating additional income for banks through fees, premium financing, and profit sharing. Liaison would manage and administer the bancassurance programs, provide technical expertise, and train bank staff on the offerings.
This document discusses strategies for building a sound financial plan, including managing expenses, increasing income, paying down debt, establishing an emergency fund, and investing for long-term growth. It emphasizes the importance of working with a licensed financial advisor to develop a customized plan based on individual needs and goals. The advisor can help assess the client's situation, recommend appropriate products and services, and ensure the client is comfortable with the choices made.
This document discusses asset protection planning and summarizes various tools and strategies. It notes that most people only have some pieces of an asset protection plan in place. Effective plans use multiple entities and debt shields across different asset classes. Key protections include homestead exemptions, life insurance, IRAs, retirement accounts, and offshore trusts. The document stresses that asset protection planning should be done proactively with an experienced attorney and aims to set up legal barriers rather than hide assets from creditors.
Reliance Insurance Limited is a leading insurance company in Bangladesh that was established in 1988. It provides various types of non-life insurance such as fire, marine cargo, and motor insurance. The company has grown significantly over the years, with total assets increasing from BDT 1,065 crore in 2006 to BDT 2,263 crore in 2010. Reliance aims to become the premier insurance organization in Bangladesh and deliver high quality customer service. It has a network of 32 branches across the country and over 300 employees.
The document provides information about Wealth Today, a financial planning company based in Australia. It discusses Wealth Today's services and credentials, the current state of household finances and debt in Australia, and introduces the LIFT program which aims to help clients terminate their mortgages while building wealth and securing their financial future and retirement lifestyle. The document promotes the benefits of Wealth Today's holistic advice approach over traditional broker models that focus only on loans and debt.
- The document discusses risk management strategies used by financial institutions to manage credit risk and interest rate risk.
- To manage credit risk, institutions screen borrowers, specialize in certain industries/locations, monitor borrowers, require collateral, and ration credit.
- To manage interest rate risk, institutions conduct income gap analysis to assess how changes in interest rates impact earnings, and duration gap analysis to assess impacts on market value and capital. The analyses are demonstrated on sample bank and finance company balance sheets.
The document discusses the process of registering banks and financial institutions in Nepal according to the Bank and Financial Institutions Act (BAFIA) 2063. It involves getting approval from the Nepal Rastra Bank (NRB), incorporating and registering the company with the Company Registrar's Office, and obtaining an operating license from NRB. Fees for registration depend on the company's registered capital and range from Rs. 150000 to Rs. 160000 + Rs. 3000 per crore. Challenges include excessive bureaucracy, lack of proper documents, and a time-consuming process. The document also summarizes the registration process for insurance companies according to the Insurance Act 2049 and discusses some major insurance companies in Nepal like Prime
This document summarizes a client's current financial situation, including:
- Current life insurance policies for the client and spouse.
- Debts, income, mortgage, and education details.
- Assets categorized as taxable, tax-deferred, or tax-advantaged and how the client intends to use each asset.
- Personal details for the client and spouse such as names, dates of birth, employment, and retirement goals.
The document appears to be from a financial advisor seeking to provide an overview of a client's finances and recommendations to improve their financial independence and planning.
Este documento resume el modelo de crecimiento organizacional de Greiner, el cual plantea que las organizaciones pasan por 6 fases de evolución (creatividad, dirección, delegación, coordinación, colaboración y alianzas) separadas por crisis. Al final de cada fase, las organizaciones deben superar crisis estructurales para continuar creciendo de manera estable. El modelo ayudará a la organización LOOP:ConsultoresIT a predecir problemas, tomar decisiones óptimas y gestionar su crecimiento a lo largo del tiempo.
Actividad 8. taller práctico 10 claves para la implementación de tendencias y...julio arrieta
El taller práctico: 10 claves para la complementación de tendencias y enfoques innovadores contiene el desarrollo de un taller practico donde se utilizan las tic
Este documento resume el Modelo de Crecimiento Organizacional de Greiner, el cual describe 5 fases por las que pasa una organización a lo largo de su crecimiento: 1) Creatividad, 2) Dirección, 3) Delegación, 4) Coordinación y 5) Colaboración. Cada fase termina en una crisis que la organización debe superar para pasar a la siguiente. El documento analiza cada fase y la crisis asociada, y proyecta cómo este modelo podría aplicarse a la organización LOOP:ConsultoresIT a lo largo de su desarrollo.
El documento describe el modelo de crecimiento organizacional de Greiner, el cual consta de cinco fases: creatividad, dirección, delegación, coordinación y colaboración. Cada fase se caracteriza por una crisis que lleva a la organización a evolucionar hacia la siguiente. El documento analiza cada fase y cómo podrían manifestarse en la empresa de consultoría de tecnología LOOP:ConsultoresIT a lo largo de su crecimiento.
Reto es una empresa mexicana especializada en la integración de servicios y soluciones de tecnologías de la información y comunicaciones.
Desde sus inicios en 1989, la empresa ha ido desarrollando una oferta de productos y servicios especializados de la más alta calidad, adecuados al rápido crecimiento de las telecomunicaciones en México. Hoy en día somos de las pocas empresas mexicanas que pueden ofrecer a sus clientes soluciones integrales convergentes para sus necesidades de telecomunicaciones presentes y futuras.
Contamos con sólidas alianzas con los principales fabricantes líderes en el mundo, lo cuál nos permite brindarle a nuestros clientes las mejores soluciones tecnológicas del mercado.
Permítanos ser nosotros quiénes nos ocupemos de sus comunicaciones mientras usted se dedica a hacer crecer su negocio.
This document describes a wheelchair control system using head motion detection. The system uses tilt sensors connected to the user's head to detect forward, backward, left and right motions. The tilt sensors send signals to a microcontroller which controls a motor driver to move the wheelchair motors in the corresponding directions. The microcontroller also interfaces with an LCD display to show the user the detected head movements and corresponding wheelchair motions. The goal is to provide independent mobility to people with severe disabilities affecting the use of hands.
This document provides information about various programs run by Community Partners in Action (CPA) that work with criminal justice-involved individuals and youth. It discusses CPA's Waterbury Alternative in the Community program that helps women through a case management model. It highlights National Volunteer Month and examples of volunteers supporting CPA programs. It also recognizes CPA staff who received awards for their work and upcoming events supporting CPA.
What does Lucena have to say about the value of #MachineLearning? Read all about it in this week's infographic: http://lucenaresearch.com/utilizing-cointegration-for-frx/
The document discusses the Net Investment Income Surtax (NII), a 3.8% tax on investment income implemented in 2013 to help fund the Affordable Care Act. The NII may negatively impact small business investment activity by discouraging wealthy individuals from investing in initial public offerings (IPOs). These individuals are the primary investors in IPOs, so a drop in their investment activity could lead to fewer IPOs. Fewer IPOs may cause economic stagnation by reducing opportunities for small business expansion. The document aims to determine if the NII has correlated with a decline in the annual number of IPOs using a regression model to predict IPO numbers with and without the NII's influence.
Hajer Jaouani is an experienced internal audit consultant offering over 15 years of experience in internal audit, risk management, and compliance. She has expertise in a variety of industries including real estate, healthcare, and telecommunications. Jaouani has held senior roles at PricewaterhouseCoopers and Bell Canada where she led internal audit engagements, assessed risks, and tested internal controls. She is proficient in audit standards and frameworks including COSO and Sarbanes-Oxley.
Shaikh Naimuddin, an Indian national currently working as a restaurant manager in Bahrain, is seeking new employment opportunities. He has over 25 years of experience in food and beverage management across several prestigious hotels and restaurants in Bahrain. He holds several qualifications in hospitality and has received awards for his work. Naimuddin believes his strong management and communication skills would be an asset to any new employer. He has enclosed his resume and references for consideration.
This document provides a summary of news from Community Partners in Action (CPA). It recognizes Matthew Rosado and Diane Geschimsky as Employee and Leader of the Quarter. It also acknowledges other nominees. It discusses CPA staff receiving statewide quality assurance awards and programs doing volunteer work in the community. It highlights new staff appointments and those celebrating long service at CPA. It provides information on upcoming events. In under 3 sentences, it summarizes employee recognition, staff changes and promotions, program activities and volunteer work in the community, and upcoming agency events.
Density based-traffic-light-control-system project-2 (3)Rishik kanth
This document describes a density based traffic control system that uses sensors and a microcontroller to dynamically adjust traffic light timing based on current traffic conditions. It includes sections that describe the objective to reduce traffic congestion, block diagram of the system components including sensors, microcontroller and lights, hardware such as the microcontroller and sensors, software used for design and programming, advantages like reduced traffic and time savings, and applications for improving traffic flow. The conclusion states that adopting this density based system could help overcome limitations of current time based traffic control systems.
Investors Group Financial Services is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada. It offers a wide range of financial products and services for individuals and corporations including short-term products like chequing and savings accounts, long-term lending products like mortgages and loans, and investment and retirement planning products. The company takes a personalized approach to financial planning and advice to help clients meet their unique financial goals.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term savings and credit, long-term lending, insurance, investment products, and financial planning services. The document discusses the challenges Canadians face regarding retirement savings, family support, taxes, and disability, and how Investors Group's financial advisors provide personalized financial plans and advice to help clients meet their goals.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term banking, lending, insurance, investment products, and retirement planning services. The document emphasizes that Investors Group provides personalized financial advice and planning to help clients achieve their financial goals and prepare for challenges throughout their lifetime. It highlights the value of financial advice and having a coordinated financial plan.
I have uploaded this presentation to give people a better understanding of what Investors Group does and how I, as a ocnsultant, am able to help people with their financial planning needs. The presentation starts by providing background information and history about Investors Group. This is followed by the types of services and products that we provide, along with our partner companies. The presentation is concluded by explaining the benefits and our approach to financial planning.
This document provides information about Investors Group, a Canadian financial services company. It offers a wide range of financial products and services including mutual funds, RRSPs, mortgages, insurance, and investment planning. Investors Group has over 400 offices across Canada and serves approximately one million Canadians. It also provides personalized financial planning through regional offices and specialists to help clients achieve their financial goals.
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
The document discusses the financial planning and investment services provided by Investors Group, including their experience and expertise in comprehensive investment management. It highlights the various products and services offered such as mutual funds, tax planning, insurance, banking, and mortgages. The focus is on creating a personalized financial plan to help clients achieve their financial goals for retirement, their family, and the future.
The document discusses the financial planning services provided by Investors Group, including their expertise in investment management, product offerings in investments, insurance, banking and lending, and goal-based financial planning process to help clients achieve their financial objectives. Investors Group uses a team approach and ongoing review to create customized financial plans and manage client investments over the long-term. The core of their services includes investment management, products and solutions tailored for diversity, and world-class money management expertise.
Investors Group is a Canadian financial services company that offers personalized financial planning and investment management services to help clients prosper now and in retirement. With over 80 years of experience and $42 billion in assets under management, Investors Group provides comprehensive financial solutions through a team of specialists across Canada. Their goal is to understand each client's unique needs and design a customized plan to help ensure financial security throughout life.
RT Mosaic Wealth Management provides independent financial planning and portfolio management services. They offer customized strategies and dedicated service to clients through unbiased advice. Their three pillars of service are providing a unique investment portfolio for each client's financial plan, comprehensive retirement and estate planning, and a focus on investment strategy and integrity. They are registered portfolio managers that safeguard clients' assets through independent custodians and adhere to industry best practices and ethics standards.
This document provides information about financial planning services offered by World Financial Group (WFG). WFG associates assess clients' unique needs and goals to help them work toward a more secure financial future. WFG offers a broad range of products like life insurance, annuities, investment funds, and retirement accounts from multiple providers. The document discusses challenges to financial security like debt, college costs, retirement and health care savings shortfalls, and inflation. It promotes the benefits of a customized financial needs analysis from WFG to address these challenges through strategies like debt management, emergency savings, asset accumulation, and proper insurance protection.
Commrisk Life is an independent brokerage that offers a full range of life insurance, investment, and employee benefits products. It uses a 6-step financial planning process to provide services like estate planning, retirement planning, business insurance, and investments. As a member of the Financial Planning Institute, Commrisk Life's advisors are well-qualified to analyze clients' financial situations and recommend appropriate products and plans.
Advised households accumulate significantly more wealth than non-advised households, regardless of income or age. Advised households have double the participation in RRSPs and TFSAs, and nearly triple the participation in RRIFs and RESPs compared to non-advised households. Advised households also save more in both registered and non-registered assets across all income and age groups. Financial advisors help clients set appropriate targets, choose optimal vehicles to meet goals, and develop customized asset allocations matched to each client's needs.
Get to know what I do (Group Benefits/Group Investments)Kevin Green
I have uploaded this presentation to give business owners a better understanding of how we work with them on group benefits and group investments. It explains our added-value approach - implementing the plan plus working with employees on their personal financial planning needs. Enjoy!
1. The document provides information about financial planning services offered by Turenne Joseph, a financial advisor with Investors Group. It discusses various financial topics and risks women may face.
2. Building wealth, protecting assets, and planning for retirement and legacy are important topics to discuss with a financial advisor. Insufficient planning can leave one vulnerable.
3. Meeting regularly with a financial planner allows them to ensure one's investments, insurance, and estate plan align with their goals and risk tolerance over the long term. Asking the right questions is important to financial security.
Alpha Wealth is an independent financial advisory company based in Ireland. Their mission is to provide impartial financial advice and excellent customer service to individuals, families, and companies. They offer advice on savings and investments, financial planning, tax planning, insurance, pensions, retirement planning, business advice, and health insurance. The team of advisors at Alpha Wealth have over 50 years of combined experience in financial services.
Meet your IG Wealth Management team.
At IG Wealth Management, we know that today, good financial advice is more important than ever. I take a long-term approach to planning. I believe that with a detailed plan, reviewed and
updated regularly, you will have
the financial resources to realize your goals and stay on track. I believe that building long-term relationships with clients is the best way to help you and your family to explore the financial options that are best for you at each stage of your life.
As an IG Wealth Management client, you will be supported by
the experience, resources and superior products that have helped make us one of the largest and most respected financial services companies in Canada.
We all work to help ensure your financial plan meets your needs in both the short and long term. Whatever your short or long-term financial goals. I will work with you to develop a plan to help get you there.
PRODUCTS AND PLANS
• Mutual funds
• Registered retirement savings plans (RRSPs)
• Tax-free savings accounts (TFSAs)
• Registered retirement income funds (RRIFs)
• Life income funds (LIF)
• Locked-in retirement accounts (LIRAs)
• Locked-in retirement income funds (LRIFs)
• Registered education savings plans (RESPs)
• Registered disability savings plans (RDSPs)
• Annuities
• Charitable Giving Program
• Guaranteed investment certificates (GICs)
• Guaranteed investment funds (GIFs)
• Individual pension plans
• Lifetime income benefit
• Managed asset program (iProfile)
• Portfolio funds
• Tax-advantaged funds (Corporate Class)
• Brokerage products such as stocks and bonds
About IG Wealth Management
For over 90 years, we have believed that building long-term relationships with clients is the best way to help individuals reach their financial goals at each stage of their lives.
Whatever your plans, our personalized approach to financial planning can help make them a reality. Let us help you provide for the people you care about.
• A Canadian pioneer in financial services since 1926
• Serve approximately one million Canadians
• Offices from coast to coast
• A member of the Power Financial Corporation group of companies
• Investors Group Inc. is a wholly owned subsidiary of IGM Financial Inc., one of the country’s largest managers and distributors of mutual funds and other managed asset products with approximately $160 billion in total assets under management.
The document discusses the growing retirement assets of baby boomers and the opportunity this presents for financial professionals. It notes that pre-retirees aged 55-64 currently possess 25% of US investable assets and are more open to advice than retirees. As the baby boom generation reaches retirement, over $1 trillion per year is expected to move from pensions to other retirement accounts. Financial professionals need to position themselves as retirement planning experts to attract these assets. The document promotes a program from Dreyfus that provides education, tools and resources to help financial professionals serve pre-retiree and retiree clients and their transition to retirement.
We provide a business platform to
associates, which gives the support
and systems they need to build
strong businesses and create better
lives for themselves.
Many financial services companies focus on
only the wealthy few; thus many individuals
and families are grossly underserved.
There is an overwhelming need to help
middle-income individuals and families with
their finances, but there is an insufficient
number of companies that are willing to
help them.
3. Strength and stability
3 Canadian pioneer in financial services since 1926
3 Serves approximately one million Canadians
3 More than 400 offices from coast to coast
3 A member of the Power Financial
Corporation group of companies
3 Investors Group Inc. is a wholly owned subsidiary
of IGM Financial Inc., and is one of Canada’s largest
money managers and distributors of mutual funds and
other managed asset products with over $134 billion
in total assets under managementi
i
Assets under management figure as at September 30, 2015
4. Complete financial
services for individuals
and corporations
Short-term
3 Chequing
3 Savings
3 Credit cards
Lending
3 Mortgages
3 Loans
3 Lines of credit
Income protection
3 Life insurance
3 Accident/sickness
3 Critical illness
3 Long-term care
3 Health and dental
3 Group insurance
Products & plans
3 Mutual funds
3 RRSPs
3 RESPs
3 RDSPs
3 Tax-Free Savings
Accounts (TFSAs)
3 GICs
3 Annuities
3 Registered Retirement
Income Funds (RRIFs)
3 Guaranteed
Investment Funds (GIFs)
3 Tax-advantaged funds
3 Individual pension plans
3 Group retirement services
3 Brokerage services through
Investors Group Securities Inc.
3 Investors Group Charitable
Giving Program
6. Most Canadians face
financial challenges
3 Low retirement income
– 87% of Canadian boomers feel they are
not fully prepared for retirement
36% of surveyed boomers said that if they could
go back and do it again, they would start saving
for retirement earlier.*
Source: PMG Intelligence “Canadian Boomers and the New Retirement” 2009 Statistics shown represent responses from survey
participants aged 45 to 70 who indicated they were not yet retired to the following question: “Thinking of everything about the time
of life called retirement, including social, health, financial, recreational and other issues, how ready are you for retirement?”
* Investors Group’s “When I’m 65 Poll,” Oct/Nov 2010, online survey conducted by Harris/Decima
13% Extremely ready
34% Somewhat ready
32% Not sure
12% Not particularly ready
9% Not at all ready
7. 3 Providing for family members
– 2 in10 boomers are concerned about saving for
expenses related to aging parents, as well as looking
after their own needsi
3 Paying too much tax
– 42% of Canadians surveyed agree that
reducing the amount of taxes they pay is an
important immediate financial goali
3 Protecting yourself and your loved ones
– just over one in four of today’s 20-year-olds will
become disabled before they retireii
3 Managing personal balance sheet
– one in three Canadians with debt admit
to losing sleep over their debt loadiii
3 Choosing the right advice and best financial vehicles
– households without an advisor
– have less investable assets
– are less likely to take advantage of RRSPs and TFSAsiv
i Ipsos Reid, Canadians & Financial Advice, February 2013
ii Council for Disability Awareness, 2013
iii Investors Group’s “Gain and pain poll,” April/May 2011, online survey conducted by Harris/Decima
iv Ipsos Reid “Canadian Financial Monitor”, special analysis for IFIC, 2010
8. The value of advice
Household age
45 and under 65 and over46 – 54 55 – 64
no advice
Age of head of household (2009)
Averageinvestableassets
$272,761
$66,064$46,462$51,649$24,787
$246,752$140,155$79,074
3.2x 2.7x 5.3x 4.1x
with advice
Source: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010
9. Household income
$35,000 – $54,999 $100,000 or more$55,000 – $69,999 $70,000 – $99,999
no advice
Household income (2009)
Averageinvestableassets
$214,587
$138,358$44,103$29,119$27,104
$164,542$197,273$125,348
4.6x 6.8x 3.7x 1.6x
with advice
Source: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010
National data shows that Canadians at
any age and income level can benefit
from having a financial advisor.
10. Keeping up takes time
3 Increasing rate of change
3 Financial services are complex
3 Government legislated changes
3 Career and personal demands take priority
No one has taken the time to explain, in understandable
terms, how to pull everything together!
11. We take the time
3 Our purpose is to
– discover
– analyze
– explain
– advise
– solve financial problems
12. 3 Recognizes individual differences
3 Is co-ordinated and flexible
3 Provides a personal financial program
3 Faces realities and finds opportunities
OUROur approach is unique...
13. 3 We know that financial independence is:
– different things to different people
– getting the things you want
– doing the things you enjoy
– based on your lifestyle
APPROACHrecognizes individual
differences
14. Short-term
reserve
Planning for emergencies
and opportunities
Developing a
financial reserve
Income & asset
protection
For you and your
dependants in case of:
– Premature death
– Disability, critical illness
– Long-term care
Moderate-term
goals
Educate my children
Purchase a home/cottage
Leisure activities
Longer-term
goals
Financial independence
Retire comfortably
Preserve my estate
The Investors Four Cornerstones Philosophy™
is the foundation for financial independence.
* Six disciplines of financial planning
Insurance
planning*
Estate
planning*
Investment
planning*
Tax
planning*
Retirement
planning*
Cash
management*
Education
planning
OUR is co-ordinated
and flexible
15. 3 Helping you set financial goals
3 Taking advantage of tax-saving opportunities
3 Ensuring your investments reflect your personal financial goals
Financial independence depends on you –
not the company, government, relatives or friends!
A part of all you earn is yours to keep.
APPROACHprovides a personal
financial program
16. OUR
faces realities and
finds opportunities
GOALS, PLANS, ASPIRATIONS
LEGACYRETIREMENT
CHILDREN
CAREER PROGRESSION, NEW BUSINESS OPPORTUNITIESENTRY INTO WORKFORCE
RECREATIONAL AND
RETIREMENT PROPERTIES
BIGGER HOMENEW HOMEAPARTMENT
LIFEEVENTNEED
SINGLE
ADULTS
YOUNG
COUPLES
YOUNG
FAMILIES
ESTABLISHED
FAMILIES
EMPTY
NESTERS
MATURE
ADULTS
Budgeting and
investment
prioritization.
Debt reduction
strategies.
Family planning.
Life insurance.
Wills.
Mortgage and
cash flow
analysis.
Education
funding.
Increased
emphasis
on savings.
Accelerated
debt reduction.
Business
succession
planning.
Tax strategies.
Helping
children achieve
financial
independence.
Tax and
income
planning.
Charitable
giving.
Estate planning.
Dual income
households.
Investment and
insurance planning.
HOUSEHOLD INVESTIBLE ASSETSSOURCE: ADVOCIS
18. Professional and
personal service
Through the region office
– Securities
– Mortgage and banking
– Insurance
3 Access to a team of specialists
Through head office
– Retirement planning
– Estate planning
– Tax planning
– Risk management
– Investment planning
– Product support
– Client administration
services and support
– Technology support
19. 3 We establish and maintain continuity of
personal service by providing a
– realistic financial plan
– regular review and update
Your net worth is a snapshot of your current financial position. It is also a benchmark from which you can measure
progress towards your financial goals. Your net worth consists of the difference between the assets that you own
(such as your home and investments) and your liabilities (such as mortgages, loans and other debt). Based on the
information you have provided, you currently have a net worth of $1,075,000.
Your current cash flow position compares your income with your expenses. Based on the information you have
provided, you are expected to have a cash flow surplus of $26,255 at the end of 2010.
wolFhsaC
htroWteN
Assets
Liabilities
Net Worth
Incomes
Outflows
Surplus
Net Worth
Registered Assets*
$520,000
Non-Registered Assets
$170,000
Lifestyle Assets
$600,000
Total Assets
$1,290,000
Liabilities
($215,000)
Net Worth
$1,075,000
* TFSAs are included in Registered Assets
Cash Flow
Income
$214,797
Lifestyle Expenses
$104,756
Savings
$21,181
Estimated Taxes
$62,605
Annual Surplus
$26,255
Monthly Surplus
$2,188
Your personal plan
makes it easy to
– know where you stand
– plan to reach your goals
– stay on track