St. Cyr and Associates Financial planning

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


Our GIC and short-term deposit rates are consistently among the highest available -- typically significantly higher than the retail rates posted by Canada’s ‘big five’ banks.

We have numerous GIC investments available,

  • Short term or Long term GIC’s
  • You have the choice of the basic GIC investment
  • The choice of cashable and non-cashable
  • Plus specialty Laddered and Escalating Rate options
  • Multiple investment types are available within one contract, and combined on one client statement for any given registration type with some companies.
  • There are also tax advantages for non-registered GICs,
  • Avoidance of probate fees on death with a named beneficiary, and potential creditor protection through insurance company GIC investments.