Helping You Navigate Through Life’s Biggest Milestones
Here is an overview of all the services we provide.
As an independent wealth management firm, we provide our clients with unbiased advice tailored to their unique situation.
Perler Financial has always provided the most professional service, efficient responses to all of our requests and questions, regular personal follow up of our status, and solid returns on our investments. It is nice to have complete trust with our finances.
Trevor Connor, Principal & Marla Connor, Doctor
Our holistic financial planning approach combines a focus on generating solid investment returns along with ensuring that you manage your finances effectively through each stage of life and reach your financial goals in the most tax and cost-effective way.
Managing your wealth means having a tax strategy tailored for you.
What are the benefits of tax planning?
What are some tax-saving strategies?
RRSP and TFSA are commonly used and widely appropriate for most Canadians as tax-sheltered investment accounts. Planning yours and your spouse’s RRSP contributions appropriately is something that many Canadians overlook, and we can help you be as efficient as possible in this regard.
RESP is a fantastic account to invest and save for your children’s education within.
RDSP is an account that is helpful to save and invest within for the future financial needs of a disabled child or adult individual.
A holding company is a useful tool that business owners and families utilize to hold income-generating investment assets. A holding company is a separate legal entity and can facilitate many tax-planning and estate-planning strategies.
Trusts are wealth planning tools that allow you to protect financial assets for your family members and can also offer you the ability to retain a level of control over your money after your death. Trusts can also facilitate effective wealth transfer while reducing probate fees and tax costs for your estate.
Insurance can be positioned as an asset class and can be used as another way to tax-shelter investments. This is a commonly used strategy once you have already maxed out other tax-sheltered accounts like RRSP and TFSA.
T-SWP Investments are like a regular investment fund, but are particularly useful for retirees that wish to grow their wealth, all while drawing an income that minimizes taxable distributions
Prescribed rate loans can be used to help a high-income earning individual split their income tax burden to other lower-income earning family members like a spouse or children.
Rest assured that your family has financial security.
We offer insurance products that can provide you financial peace of mind knowing that you or your loved ones will receive financial compensation in the event of:
You don’t buy life insurance because you are going to die, but because those you love are going to live.
Whether you are buying a new home, renewing your mortgage, or refinancing, we can help. Filing credit applications with multiple banks and sifting through various terms and conditions of each mortgage can be frustrating, overwhelming, and confusing. To help make the process as simple and efficient as possible for you, we’ve forged a partnership with Dominion Lending Centres to offer you the best rate possible on your mortgage. Similar to working with an independent financial advisor, working with a mortgage broker provides you access to every financial institution and the freedom to select the best available product for your needs.
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