experienced Certified Financial Planners (CFP®) and Chartered Investment Managers (CIM®)
Combining two distinct & seperate business offerings
Maple Groove Wealth Planners of Designed Securities Inc. is registered and regulated by CIRO. Designed Securities Inc. is our investment dealer and a member of CIRO and the CIPF. We are proud to have advisors with their Chartered Investment Manager designation or CIM®.
This is where your advisor gains access to investments like stocks, bonds, mutual funds, GICs, high-interest savings and financial products you would find on the stock exchange. Access to exceptional money managers and private equity/debt.
Maple Groove Financial is the financial planning, insurance division, and lending division of Maple Groove Inc. We are proud to have advisors with their Certified Financial Planner designation or CFP®.
By using an insurance MGA, which is PPI, we gain access to life insurance products, accident and sickness insurance products, and insurance investments such as high-interest and segregated funds.
What we offer
A few of our services
Estate
Planning
Ensure preservation, distribution, and your legacy based on your wishes.
Investment
Management
Experienced Chartered Investment Managers CIM®, with a broad range of tools.
Tax
Planning
Comprehensive knowledge of the Tax Act and its intricacies.
Risk
Management
Insurance to protect income and assets, both corporate and personal.
Corporate
Financial Planning
Catering to your unique corporate business planning needs.
Comprehensive
Financial Planning
Creating harmony for all facets of your finances.
Partnered with experts
Maple Groove Financial works with trusted partners
Accountants
We work with accountants that understand our strategies. Save time by having us send your accountant your tax information.
Lawyers
We work with a variety of lawyers including family, estate, and tax practices.
Mortgage specialist
We use mortgage specialist who have a history of approvals and experience.
Actuaries
We use specialist when it comes to your pension and special savings vehicles.
Property Valuators
We have access to property valuators if you need another estimate.
Banking providers
We have deep roots in banking and finding you the right products and providers.
Real Estate Agents
We use real estate agents who have a history in home construction and know their product inside and out.
Business Consultants
We work with a wide range of business consultants for improving your business.
Trust Specialist
Trust can be complicated and we work with specialist to ensure your are structured properly.
Business Valuators
We can refer you to cross boarder specialist if you are a dual citizen.
Cross Boarder Specialist
We can refer you to cross boarder specialist if you are a dual citizen.
Health Specialist
Your biggest investment is your health and we know some great specialist.
Full Account Access
Access to all account types
- Non-Registered Account (Cash or Margin)
- Joint-Non Registered Account (Cash or Margin, Tenants with Right of Survivorship [JTWROS], or Tenants in Common [TIC])
- Investment Club Accounts
- Condo Corporation Reserve Fund Accounts
- Registered Disability Savings Plan (RDSP)
- Tax Free Savings Account (TFSA)
- First Home Savings Account (FHSA)
- Registered Education Savings Plan (RESP)
- Registered Retirement Savings Plan (RRSP)
- Spousal Retirement Savings Plan (RRSP, RRIF)
- Registered Retirement Income Fund (RRIF)
- Locked-In Retirement Account (LIRA)
- Locked-In Retirement Savings Plan (LRSP)
- Locked-In Retirement Savings Plan (LRSP)
- Locked-In Retirement Income Fund (LRIF)
- Prescribed Retirement Income Fund (PRIF)
- Life Income Fund (LIF)
- Pooled Registered Pension Plan (PRPP)
- Corporate Account (Cash or Margin)
- Individual Pension Plan (IPP) (Corporate-Sponsored defined benefit pension, self-employed trust)
- Trust Account (Formal, Informal, Family, In-Trust-For, InterVivos (Living), Testamentary)
- Estate Account
- Endowment Accounts
- Foundation Investment Accounts
- Group Savings Accounts (Group Plans for Employers, Group RRSP, Group TFSA)
- Deferred Profit Sharing Plan (DPSP)
- Pension Plan Accounts
- Donor Advised Accounts (DAF, Charitable Giving)
- Investment Holding Companies Accounts (IHC)
Our planning process
WORK WITH PASSIONATE PLANNERS
Step 01
Establish and
Define the Client–Planner
Relationship
Step 02
Gather Client Data and
Determine Goals
Step 03
Analyze and Evaluate
the Client’s Financial Status
Step 04
Develop and
Present Financial Planning
Recommendations
Step 05
Implement
the Financial Planning
Recommendations
Step 06
Monitor the Plan &
the Financial Planning
Relationship
Strategies Tailored to You
How We Maximize Your Wealth
Financial Planning Strategies
-
Smith Manoeuvre
(Home equity tax strategy) -
Norbert’s Gambit
(Low-cost currency exchange) - Tax-Efficient Asset Location
Income Splitting
- Spousal RRSP
- Pension Income Splitting
- Prescribed Rate Loans (to Family Trusts / Partner)
- RESP Family Plans
Tax Timing & Harvesting
- Tax-Loss Harvesting
- Capital Gains Deferral
- Flow-Through Shares
- RRSP-RRIF Conversion Timing
- CPP/OAS Deferral
Charitable & Legacy Giving
- Donor-Advised Funds (DAF)
- Gifts of Public Securities
- Charitable Remainder Trusts
- Alter Ego & Joint Partner Trusts
Life Insurance & Accident / Sickness Insurance
Permanent Coverage:
- Participating (Dividends, Cash Values)
- Non-Participating (Fixed Premiums, Guaranteed Cash Values)
- Level Cost of Insurance (COI)
- Increasing/Yearly Renewable COI
- Investment Component
- Permanent coverage to age 100 with no cash value
Temporary Coverage
- Participating (Dividends, Cash Values)
- Non-Participating (Fixed Premiums, Guaranteed Cash Values)
Specialized Life Products
- Simplified Issue Life Insurance
- Guaranteed Issue Life Insurance
- Final Expense / Funeral Insurance
- Group Life Insurance
- Creditor / Mortgage Life Insurance
Investment Products
Work with experienced product investment advisors who carry a tool belt of options and not just a hammer
- Common Stocks (Equities)
- Preferred Shares
- Exchange-Traded Funds (ETFs)
- Closed-End Funds
- Structured Notes / Principal Protected Notes (PPNs)
- Guaranteed Investment Certificates
- Warrants & Rights
- Government Bonds
- Corporate Bonds
- Investment Savings Accounts (ISAs)
- Debentures
- Treasury Bills
- Commercial Paper
- Strip Bonds / Zero-Coupon Bonds
- Mortgage-Backed Securities (MBS)
- Mutual Funds
- Pooled Funds
- Segregated Funds (Insurance)
- Fund-of-Funds
- ETF of ETFs
- Money Market Funds
- Private Equity
- Private Debt
- Hedge Funds
- Real Estate Investment Trusts (REITS)
- Limited Partnerships (LPs)
- Flow-Through Shares
- Venture Capital Funds
- Return of Capital Investments (Tax deferred income)
- Options
- High-Interest Savings Accounts (HISA)
Looking for support
We Would Love to Hear From You