You may know you need to start saving for the future, whether it’s your retirement or for your children’s education, but don’t know where to start, or how. CIC Financial offers a wide range of products to assist you in planning for and attaining your goals while considering your individual situation. The following different types of investments and accounts all service individual purposes. CIC Financial looks at your personal situation and determines what types of plans will best suit your needs.

Investment Products

  • Mutual Funds

    Mutual Funds are a professionally managed type of collective investment arrangement that pools money from many investors and invests it in stocks, bonds, short-term money market instruments, and/or other securities. They allow investors access to a well-diversified portfolio.
  • ETF’s & Index Funds

    (available through Mutual Funds)

    An index fund is a mutual fund that attempts to mimic the performance of a particular index.
    An exchange-traded fund (ETF) is similar to an index fund in that it tracks an index or a basket of assets. However, unlike a mutual fund, an ETF is an individual security that trades like a stock on an exchange.
  • Segregated Funds

    Segregated Funds are investment funds held within an insurance contract. These funds are administered by Canadian Insurance companies and offer certain guarantees at death or maturity. These types of investments are very effective for estate planning.

    ** Segregated funds are not offered by ACPI and are not eligible for CIPF coverage.
  • Stocks, Bonds and other Securities

  • GIC

    A secure investment that guarantees 100% of your original investment, a GIC is a safe and flexible investment option that earns interest. We have access to a wide variety of institutions and therefore can offer you a competitive interest rate.

Investment Vehicles

  • RRSP and RRIF

    RRSP - A Registered Retirement Savings Plan is a great way to reduce your taxable income and save for your future retirement.
    With an RRSP, contributions are tax-deductible. Your savings grow tax sheltered within your account.

    RRIF - An RRSP must mature no later than December 31 of the year you turn 71. At CIC Financial we can assist you in converting your retirement savings into a Registered Retirement Income Fund.
  • RESP and RDSP

    RESP - Education is an essential part of life and can cost more than expected. Registered Education Savings Plans can grow quickly as the Government of Canada offers the Canada Education Savings Grant and Canada Learning Bond. CIC can help you institute a plan that will save money towards higher education.

    RDSP - The Registered Disability Savings Plan is a savings vehicle intended to help parents and others to save for the long-term financial security of a person with disability. The Government of Canada supplements the plans by offering the Canada Disability Savings Grant and Canada Disability Savings Bond each year that the plan is in place.
  • Tax Free Savings Accounts (TFSA)

    Tax-Free Savings Accounts are a flexible alternative to help you save your money. With a TSFA, you do not pay tax on investment income, growth of savings or withdrawals. It is a great way to save for your long & short-term goals.
  • LIRA & LIF

    LIRAs are locked-in retirement accounts funded by lump sum transfers from employer sponsored pension plans. When these plans are converted to income, they become Life Income Funds. At CIC Financial, we are knowledgeable at how best to make these plans work for you.
  • Non-Registered / Open Account

    Non-Registered (open) savings accounts act like savings accounts. They can be used for any savings goal – you decide when, how, and how much to contribute. Properly structured, income earned on non-registered investments can be taxed at very favorable rates. Let us show you the advantages of using income-generated from dividends and capital gains to reduce your income taxes. The income earned on non-registered investments is taxable.
  • High Interest Chequing and Savings Accounts

    High interest accounts are similar to other banking accounts but offer relatively higher interest. High interest accounts are a great way to save for the short term without taking on the risk. We here at CIC Financial can help you set up one of these accounts to ensure that you receive the highest rate offered today.
  • Securities products provided by Aligned Capital Partners Inc. (ACPI). ACPI is a member of the Investment Industry Regulatory Organization of Canada ( and the Canadian Investor Protection Fund (