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Your investments

Do you ever feel like life is too automated? Maybe you’re suspicious of the cruise control feature on your car. You’re not a fan of auto-pilot on commercial flights. You prefer to know that an experienced individual has their hands on the wheel and is ready to respond to new conditions.

Some clients think their financial advisor is running on auto-pilot. They feel like they are just another step in the financial assembly line. They fill out a questionnaire, hand over their money, and then hope that they hear from someone again at some time in the future.

Automation can be a great thing, but sometimes, you need a human being to oversee critical parts of the process. It takes someone with insight and experience to say, “Does this plan make sense for my client? Is there too much risk in this asset allocation strategy?”

We will work with you to understand your unique goals and your risk tolerance. You can rest assured; a true professional is at the helm.

Stocks

Plain and simple, stock is a share in the ownership of a company. Stock represents a claim on the company's assets and earnings. As you acquire more stock, your ownership stake in the company becomes greater. Whether you say shares, equity, or stock, it all means the same thing.

ETF

An ETF, or Exchange Traded Fund, is a marketable security that tracks an index, a commodity, bonds, or a basket of assets like an index fund. Unlike mutual funds, an ETF trades like a common stock on a stock exchange. ETFs experience price changes throughout the day as they are bought and sold. ETFs typically have higher daily liquidity and lower fees than mutual fund shares, making them an attractive alternative for individual investors.

RRIF

A Registered Retirement Income Fund is an investment plan, established in accordance with Government of Canada requirements, into which you can transfer registered funds (usually your RRSP) without tax liability to establish a source of retirement income. Some RRIFs are....

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GIC

Guaranteed Investment Certificates are issued in your name and can't be sold except to the institution that issued them. You agree to keep the money in the GIC for a set period in return for a set rate of interest. Compound GIC's pay you interest on your interest. Instead of paying...

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TFSA

A Tax-Free Savings Account is a registered savings account that allows taxpayers to earn investment income tax-free inside the account. Contributions to the account are not deductible for tax purposes, and withdrawals of contributions and earnings from...

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RRSP

A Registered Retirement Savings Plan is a retirement plan that is registered with the federal government and that you or your spouse or common-law partner can establish and contribute into until the end of the year when....

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RDSP

Since in 2011, the Registered Disability Savings Plan has been available to Canadians who qualify for the disability tax credit and offers a tremendous bonus to those who are eligible. The RDSP is a savings plan that you...

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Mutual Funds

Because there are thousands of mutual funds available across Canada in order to assist our clients with creating quality portfolios, we use software to research and select only those mutual funds that meet each client's risk tolerance...

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Bonds

A bond is a debt investment in which an investor loans money to an entity (typically corporate or governmental) which borrows the funds for a defined period of time at a variable or fixed interest rate. Bonds are used by companies, municipalities, states and sovereign governments to raise money and finance a variety of projects and activities. Owners of bonds are debtholders, or creditors, of the issuer.

RESP

Registered Education Savings Plans are registered education savings plans that grow tax-free until the child is ready for university, college or a vocational institute. The student usually pays little or no tax on those funds when they are withdrawn at the student's lower...

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LIF

A Life Income Fund (LIF) is a retirement income plan using locked-in pension money and the owner of the LIF can control the investments held within the fund. In addition to the requirement for a minimum annual withdrawal (like a RRIF), LIFs also...

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LIRA

The Locked-In Retirement Account (LIRA) and Locked-In Retirement Savings Plan (LRSP) enable you, as an employee to maintain the tax-deferred status of pension plan proceeds received when you leave a company. LIRA's lock in your money, but not...

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Borrowing to Invest

Leveraged investing is defined as borrowing money to finance an investment. You are familiar with the concept of leverage if you've ever...

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Ryan Peterson is registered to provide investment advice and to offer securities products in the provinces of Alberta, British Columbia, Ontario and Saskatchewan.

"Aligned Capital Partners Inc. is a member of the Canadian Investor Protection Fund (www.CIPF.ca) and the Investment Industry Regulatory Organization of Canada (www.IIROC.ca)."