We offer a wide range of commercial, home and auto, and financial products to suit your needs. Call us today at (416) 446-7423.
Auto Insurance
Are You Paying Too Much?
Discounts are available for: Driving less than 10,000KM a year, insuring several vehicles, insuring your house and car with the same company, and raising the deductibles. Take a minute and contact us for a quote.
Personal
A Broad Range of Products Available
Your home is your most valuable possession. When was the last time you checked to make sure you were fully protected? Most policies have limitations on the amount of coverage provided for certain types of property such as: jewellery, furs, silver, money and coins.We will review your policy and help you protect your most valuable assets.
What kind of policy do you have?
- Named Perils: provides coverage for perils named in the policy
- Comprehensive: covers "all perils" except those listed in exclusions
- Broad Form: Provides named perils on your contents and comprehensive coverage on the physical structure
Business
Our markets include leading Canadians and global insurers able to provide tailored insurance coverage to meet your corporate needs. We recommend annual meetings with your broker to review your coverage, clarify the wordings of your policy and how you could be required to contribute to a loss.
Do you know what is included?
Power surges and electrical injury are standard exclusions under property policies. Does your existing coverage provide protection for your computers, telephone, and alarm systems or against power surges and electrical injury?
Financial Services
RRSP'S are one of the last meaningful tax shelters left to Canadians. Start an RRSP today!
The benefits of early contribution
Two taxpayers, both 25 are considering RRSP'S...
- Taxpayer A starts immediately, contributes $2,000.00 a year for 10 years at 8%.
- Taxpayer B waits 10 years to start, contributes $2,000.00 a year for 30 years at 8%.
- When they turn 65, Taxpayer A will have $70,000.00 more in her RRSP'S despite the fact that taxpayer B contributed three times as much!
How much can I Contribute to an RRSP?
Making the maximum contribution each year helps to ensure your financial security at retirement.
You can determine your 2006 RRSP deduction limit by referring to your 2005 assessment notice or as follows:
- Any unused RRSP deduction room at the end of prior years
- PLUS the lesser or 18% of your earned income for 2005 or the RRSP dollar limit
- MINUS the Pension Adjustment reported on your T4 slip
- MINUS any past service pension adjustment reported in 2005
- PLUS any Pension Adjustment Reversal reported for the years after
When can I contribute?
To be deductible for 2006, you must make your RRSP contribution before March 1, 2007. Establish a monthly pre-authorized withdrawals contribution plan and forget about the rush.
Contact us now to customize your RRSP with a plan that suits your investment style.
