Investment Planning in Toronto
As a Chartered Investment Manager (CIM®) and Fellow of the Canadian Securities Institute (FCSI®), I help clients build and protect wealth through insurance-based investment products.
Insurance-Based Investment Products
The investment products I offer are insurance-based products regulated under Ontario's Insurance Act and my Life Licence Qualification Program (LLQP) licence. These include segregated funds, guaranteed investment funds (GIFs), payout annuities, and universal life insurance policies with investment components.
These products are fundamentally different from securities like mutual funds, stocks, bonds, or ETFs. They are insurance contracts issued by life insurance companies, and they come with guarantees and protections that securities products cannot match.
Segregated Funds: Growth with Guarantees
Segregated funds are the cornerstone of insurance-based investing. Like mutual funds, they invest in diversified portfolios of stocks, bonds, and other assets. Unlike mutual funds, they are wrapped in an insurance contract that provides:
Maturity Guarantee: At the end of the contract term (typically 10 years), you are guaranteed to receive back 75% or 100% of your deposits, even if the market has declined. This is a floor that securities products cannot offer.
Death Benefit Guarantee: If you pass away during the contract, your beneficiary receives the greater of the market value or the guaranteed amount (75% or 100% of deposits). This value transfers directly to the named beneficiary, bypassing probate.
Creditor Protection: In many situations, segregated fund assets are protected from creditors when an irrevocable beneficiary is named. This is particularly valuable for business owners and professionals with liability exposure.
Estate Planning: Named beneficiaries receive the proceeds directly and privately, without going through the estate or the probate process. This can save time, legal fees, and probate taxes.
My Credentials
I hold the Chartered Investment Manager (CIM®) and Fellow of the Canadian Securities Institute (FCSI®) designations, which reflect advanced education in investment management, portfolio theory, and wealth planning. These credentials inform the guidance I provide on product selection, asset allocation within segregated fund portfolios, and the integration of investment products with your broader financial picture.
Important Disclosure: Investment products discussed on this page are insurance-based products including segregated funds, guaranteed investment funds (GIFs), annuities, and universal life insurance policies. These products are offered under a life insurance licence (LLQP) regulated by the Financial Services Regulatory Authority of Ontario (FSRA). All-Financials does not offer mutual funds, securities, stocks, bonds, or exchange-traded funds (ETFs). The CIM® and FCSI® designations reflect educational achievement from the Canadian Securities Institute and do not constitute a licence to deal in securities.
Frequently Asked Questions
A broker works for you, not the insurance company. I shop 40+ carriers to find you the best rate and coverage. Direct insurers only sell their own products. With a broker, you get unbiased advice and someone who advocates for you during claims.
No. Brokers are paid by the insurance companies, not by you. There's no additional cost for using a broker, and we often find lower rates because we can compare across dozens of insurers.
Most quotes are ready within 24 hours. For straightforward auto or home insurance, I can often provide a quote the same day. Complex commercial or multi-policy packages may take 2-3 business days.
I serve clients across Ontario. Whether you're in Toronto, the GTA, or anywhere in the province, I can help with your insurance needs.
Absolutely. I work with high-risk insurers as well as standard markets. Whatever your situation — tickets, accidents, or new driver — I'll find you the best available rate.
You call me directly. I'll guide you through the process, advocate with the insurer on your behalf, and make sure your claim is handled fairly and promptly. That's the broker advantage.
Segregated funds are insurance-based investment products that combine growth potential with built-in guarantees. They guarantee a return of 75% to 100% of your principal at maturity or death, offer creditor protection in many cases, and bypass probate through named beneficiaries. They are offered under a life insurance licence.
While both pool investor money into managed portfolios, segregated funds are insurance contracts, not securities. They include maturity and death benefit guarantees, potential creditor protection, and estate planning advantages that mutual funds do not offer. Segregated funds are regulated by insurance regulators, not securities regulators.
The Chartered Investment Manager (CIM®) designation is awarded by the Canadian Securities Institute to professionals who have completed advanced investment management education. It reflects expertise in portfolio management, advanced financial analysis, and wealth management strategies. Note: CIM is an educational credential and does not constitute a securities licence.
No. Many segregated fund products have minimum investments starting at $500 to $1,000. They are accessible to a wide range of investors, from those just starting to build wealth to those looking for guaranteed protection on larger portfolios.
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