Individual Investors


4C L.I.F.E. Plan

Frustrated with earning next to nothing in your savings account?

Unsure how much you need for retirement?

How do you save money for a first home?

Lacking a well-defined plan and set of goals can leave you feeling unprepared and frightened when things don’t go your way.

At 4C Wealth Management we develop a customized plan so you’ve got all four corners covered ensuring you, and your family’s, financial security and success.

The 4C L.I.F.E. Plan:


L egacy
Estate planning ensures a smooth transition for loved ones.

I ncome
Retirement planning and saving today for a consistent income tomorrow.

F amily
Ensuring complete education savings and coverage for family members.

E mergency
Life is full of unexpected surprises. Why not be prepared?

4C Wealth Manangement advisors will be able to help you with the following products and account types:

  • Mutual Funds
  • Non-Registered (OPEN) Accounts
  • Registered Accounts – RSP LIRA LRSP LRIF RIF DPSP GRSP
  • Education Savings Plans – RESP
  • Tax Free Savings Accounts – TFSA
  • Retirement Income Portfolios

Education Savings

Kids on Campus - CI Investments Inc.

The constantly increasing cost of post-secondary school education has many parents concerned about whether they will be able to afford to send their child to university or college.

A Registered Education Savings Plan (RESP) is a great way to start saving today for your children’s future.

The RESP is a tax-sheltered education savings account that can help you, your family or friends save for a child’s education after high school.


The Government of Canada offers two incentives to encourage parents, family and friends to save for a child’s post-secondary education:

CESG – Canada Education Savings Grant

By applying for the CESG, up to $7,200 can be directly deposited by the Federal Government into your RESP. The Canada Education Savings Grant section offers information about eligibility requirements for the grant as well as how to use it when the beneficiary enrolls at a post-secondary institution. For more information on CESG, click here.

CLB – Canada Learning Bond

CLB is available to children born after December 31st, 2003 if an RESP has been opened on their behalf. Browse the Canada Learning Bond section to find out who is eligible, how to apply, and how much the Government of Canada will contribute to your RESP. For more information on CLB, click here.

To contact our financial advisory team click here.

Retirement

At 4C Wealth Management we provide personalized money management services and investment strategies based on each individual’s financial circumstances and investment objectives.

4C Wealth Management ensures our clients foresee financial security through providing them with:

  • Customized Life Cycle Approach – The ‘cookie-cutter’ approach does not work. Our financial advisors develop a customized retirement plan which addresses your specific needs.
  • Risk Reduction – Acheived through a focus on income-generating investments and low-risk portfolio strategies – “Getting paid to wait.”
  • Tax-Minimization – Through improving the tax-efficiency of a portfolio, and tax-sheltering investment income, investors are able to keep more of what they earn.

To contact our financial advisory team click here.

4C Private Client

As your wealth grows, so will your need for tax-minimization strategies.

Taxes can slow down the growth of your portfolio and reduce your investment income. Thankfully, for investors there is an alternative…

4C Private Client allows investors to save on taxes through using Corporate Class income and equity investments.

4C Private Client investors benefit from:

  • Daily Liquidity
  • Competitive Fees
  • Access to Canada’s largest tax-efficient Corporate Class lineup

All of these benefits are available exclusively to private investors, foundations, endowments and institutions.

To contact our financial advisory team click here.