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How we Help

At Currey Insurance and Investments, our goal is to provide you with all your insurance needs while educating you with all the various options. We offer a wide variety of services and our team will be happy to walk you through all plans.

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6 Principles of Smart Investing

These are our principles of smart investing that we suggest and work with clients on.

6 Principles of Smart Investing
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Registered Investments

Registered Investment accounts are given a tax-advantageous status by the government. These investments include RRSP’s, RESP’s, RIF’s, LIF’s, LIRA’s, LRSP’s, IPP’s and RCA’s.

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TFSA

A TFSA allows Canadians over the age of 18 to invest prescribed amounts in eligible investments and watch those savings grow tax-free. Interest, dividends, and capital gains earned in a TFSA are tax-free for life. Your TFSA savings can be withdrawn from your account tax-free and you can then re-contribute the same amount of any withdrawals in subsequent tax years.

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Non-Registered Investments

A non-registered investment plan allows you to invest in a wide-range of assets where you are required to pay taxes on growth or income generated. There is no limit to deposits and losses can also be claimed for tax purposes.

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Corporate Insured Retirement Plan

A strategy in which a corporation purchases and owns life insurance on its principal(s). The insurance can cover buy-sell agreements, key individuals, or protect the corporation’s owners. Once a sizeable cash value has accumulated, a third party line of credit may be established provide supplemental retirement income for key employees or ownership or help the business expand/ pay for other operational expenses.

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Registered Investments

Investment accounts which are given a tax-advantageous status by the government. These investments include RRSP’s, RESP’s, RIF’s, LIF’s, LIRA’s, LRSP’s, IPP’s and RCA’s. (Then can go on to show each one specifically).

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TFSA

A TFSA allows Canadians over the age of 18 to invest prescribed amounts in eligible investments and watch those savings grow tax-free. Interest, dividends, and capital gains earned in a TFSA are tax-free for life. Your TFSA savings can be withdrawn from your account tax-free and you can then re-contribute the same amount of any withdrawals in subsequent tax years.

Learn More
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Non-Registered Investments

A non-registered investment plan allows you to invest in a wide-range of assets where you are required to pay taxes on growth or income generated. There is no limit to deposits and losses can also be claimed for tax purposes.

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Corporate owned whole life

A whole life policy provides a set amount of coverage for life and usually has a guaranteed premium. Whole life policies receive dividends which build a cash value. It’s possible to access that cash value as the funds grow which can be useful as a nest-egg for part of a savings or retirement strategy.

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Non-Registered Investment Funds

A non-registered investment plan allows you to invest in a wide-range of assets where you are required to pay taxes on growth or income generated. There is no limit to deposits and losses can also be claimed for tax purposes.

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We offer a wide variety of services and our team will be happy to walk you through all plans.

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