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Investments for Business Owners

Invest in your business

Investments play a key role in your financial plans. As part of our process we will work with you to create and establish solid investment plans and strategies, which may include discussions on all or some of the following areas:

  • Cash Flow and Debt Management 
  • Savings and Wealth Accumulation 
  • Retirement Planning and Invetment Management 
  • Tax Planning and Strategies 
  • Banking


Choose the right options for your workplace savings plan

Help your employees save for the future


Get advice

To find out which combination of plans will help your employees become better prepared for retirement, you’ll need to weigh a variety of factors, including tax efficiency and plan flexibility for you and your employees. 

RRSPs, TFSAs, VRSPs, PRPPs - when it comes to offering retirement savings plans to employees, there are lots to consider. Make it simpler for your employees to save for the future by helping them understand what their choices are. 

TFSA — Tax-Free Savings Account. Employee deposits into this type of account are made with after-tax income, therefore, the contributions and the investment earnings are not subject to tax. There is a limit to how much they can deposit in a TFSA.

RRSP — Registered Retirement Savings Plan. The money employees put into an RRSP and the interest earned are both subject to tax — but only on the date they’re withdrawn. The contribution limit is higher when compared to a TFSA.

PRPP — Pooled Registered Pension Plan. These plans are often preferred by small and medium-sized business, and by the self-employed. As with an RRSP, contributions are tax-deductible and subject to an annual limit.

VRSP — Voluntary Retirement Savings Plan. Offered only in Quebec, a VRSP is similar to a PRPP except that the employee’s contributions are not locked-in.

NRSP — Non-Registered Savings Plan. Your contributions are after-tax money, so they’re not taxed nor are they tax-deductible. Interest earned is taxed. There is no annual contribution limit.


Tax Planning and Strategies

No one likes taxes. No matter what stage of life you are in and whether your goal is to accumulate wealth or to provide income in retirement, the impact of taxation on our income and investments needs to be considered. Not only is it important for us to work for our money as well as for our investment money to work for us but also to ensure that we keep as much of both as possible. Investment products held within Tax Free Savings Accounts (TFSAs), RRSPs or RESPs as well as charitable contributions and permanent life insurance policies and can all be useful tools in an effective tax strategy. As part of our process, we will work together and discuss ways to attempt to minimize the specific effects of taxation on your personal and business investments.

Banking

Over the years Joe Friedt has developed and maintained strategic relationships to help his clients with their banking needs:

  • High Daily Interest Bank And Chequing Accounts

Manulife Bank provides bank accounts with a high interest on every dollar deposited as well as a multitude of deposit and withdrawal options such as online and telephone transfers, pre-authorized chequing and bill payments, debit card access and low fees. 

  • Canadian $ or US $ 
  • Personal or Business accounts

GICs - Joe Friedt is able to provide Guaranteed Investment Certificates from various financial instiutions that best suit your needs 

  • Loans and Lines of Credit* 
  • Preferred Rate Mortgages*

Contact me today to discuss your investment needs and strategies to attain your investment goals.

* Lending and mortgage products offered by referral basis only



This material has been prepared to provide information on the products and services offered through your Manulife Securities Incorporated (MSI) or Manulife Securities Investment Services Inc. (MSISI) Advisor. Manulife Securities is a Trade Name used by the related companies MSI (an Investment dealer) and MSISI (mutual fund dealer) and Manulife Securities Insurance Inc.(an insurance distributor operating as a national account agency). Manulife Securities related companies are 100% owned by The Manufactures Life Insurance Company (MLI) which in turn is 100% owned by the Manulife Financial Corporation a publically traded company. Please confirm with your Advisor which company you are dealing with for each of your products and services. Details regarding all affiliated companies of MLI are provided in the Important Client Information Brochure which can be found on the Manulife Securities website www.manulifesecurities.ca. Stocks, bonds and mutual fund products and services are offered through MSI, Manulife Securities Incorporated is a Member of the Canadian Investor Protection Fund and a Member of the Investment Industry Regulatory Organization of Canada. Mutual fund products and services are offered through MSISI, Manulife Securities Investment Services Inc. is a Member of the Mutual Fund Dealers Association of Canada and the MFDA Investment Protection Corporation (excluding Quebec). Insurance products and services unless other wise noted by your Advisor are offered through Manulife Securities Insurance Inc. (in the province of BC operating as Manulife Securities Insurance Agency) Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada, additional disclosure information will be provided by your Advisor upon referral.

Call 604-636-1908