St. Cyr and Associates Financial planning

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WEALTH MANAGEMENT

|Segregated Funds| |Labour - Sponsored Funds| |Annuities|
|Guaranteed Investments (GIC)| |RESP's (Registered Educational Saving Plan)|
|RRIF's/LIF's Registered Retirement Income Funds|

STRUCTURED INCOME

WHAT ARE ANNUITIES?

There are two types of annuities.

TERM CERTAIN ANNUITY

  • Specific period
  • Guaranteed period eg. 5, 10, 25 years
  • Or untill certain age eg. guaranteed till age 90
  • Minimum guarantee of 4 years.

LIFE ANNUITY

  • Sold only by life insurance companies
  • Lifetime payment to annuitant.
  • May be joint or single life annuity

We can help you decide if annuities are the right investment for you.