A world products

We have access to world-class professionals through strategic relationships with leading firms and money managers from around the globe giving us access to all the choice we need when building or adjusting your personal portfolio.

M2 Financial is proud to offer your choice of financial products. We have the resources and expertise to deliver the most complete line of products available to diversify and allocate assets, while satisfying your comfort with risk.

All of our solutions are supported by the people, experience and leadership you expect, and the worldwide connections, strength and security you need to make a decision with confidence.

A proven philosophy

We seek out companies that will provide long term value to our clients, and apply detailed, in-depth research to every decision. We base our investments decisions on sound and proven fundamental financial analysis.

RRSPs

A registered Retirement Savings Plan (RSP) is an investment account designed primarily for saving toward your retirement years. As a retirement savings vehicle, regulated by the Canadian government, RSPs have special tax benefits. Your annual RSP contribution can greatly reduce the amount of income tax you pay in that year, and the money you put away can have years of tax-deferred growth potential. You only pay tax on the amounts you withdraw.

For more information please contact us to discuss how RRSPs may fit into your plan.

RESPs

Opening an RESP can be an effective way to save for your child's education and take advantage of the very attractive Canada Education Savings Grant (CESG).

As education costs continue to rise, an RESP can help maximize your savings for your child. There are no account fees for our RESPs. That means all your money starts working hard toward your savings goals right away.

  • You can contribute up to a maximum of $50,000 for each child you name as a beneficiary in an RESP
  • You can receive the Canada Education Savings Grant (CESG) and other government incentives that can add up to $500 or more annually per beneficiary
  • Choose from a wide range of investments to help your money grow
  • Your contributions can grow every year on a tax-deferred basis
  • When RESP grants and earnings are withdrawn for educational purposes, they are taxed at the student's tax rate, which is typically very low

For more information please contact us to discuss how RESPs may fit into your plan.

RDSPs

Registered Disability Savings Plan (RDSP) is a registered savings plan that permits tax-deferred investing on behalf of a disabled person. This tax-deferred investment growth, along with government grants and bonds, make an RDSP a powerful investment tool.

Contributions have the potential to grow more quickly than if they were invested in taxable investments outside an RDSP. Plus, government incentives promote even faster growth. RDSP beneficiaries are eligible for Canada Disability Savings Grant (CDSG) that can add up to $3500 per year and Canada Disability Savings Bond (CDSB) benefits that can add up to $2000 per year. These all make a substantial contribution to a brighter financial future.

For more information please contact us to discuss how RDSPs may fit into your plan.

IPPs

IPPs have been approved by the Canada Revenue Agency. They offer the best tax and retirement savings solution for individuals 40 years of age and older who have T4 income from their company of more than $116,667 (2008). Ideal candidates have also historically maximized their Registered Retirement Savings Plans (RRSPs) and pension contributions.

IPPs are alternative retirement savings vehicles that allow for enhanced tax relief and increased pension benefits above and beyond those available through RRSPs and other retirement plans. They can be set up for one person or for a group of employees within the same company.

An IPP is sometimes referred to as an RRSP upgrade.

For more information please contact us to discuss how IPPs may fit into your plan.

RRSP Loans

Taking full advantage of RRSP contribution room.

With interest rates at rock bottom and last year's market volatility seeming to be behind us, now might be the right time to consider borrowing to make up unused contribution room in Registered Retirement Savings Plans.

For more information please contact us to discuss how RRSP Loans may fit into your plan.

Tax Free Savings Accounts

The new Tax-Free Savings Account (TFSA) is designed to help Canadians save for important goals and reduce their overall tax bill. If you reside in Canada and are at least 18 years of age, you can contribute up to $5,000 per year to a TFSA and then watch your savings grow tax-free throughout your lifetime.

You put the money in, you get the money and growth back out - tax-free. It's just that simple.

For more information please contact us to discuss how TFSAs may fit into your plan.

 

 

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