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Retirement planning & estate strategies in Ontario & British Columbia - RRSP, RRIF, CPP & wealth transfer. Sunil Heda, CPA (US), CIM®, Vaughan, GTA Retirment Planning & Estate Strategies What we provide Retirement Income Goal Setting, Projection and Analysis Pension Analysis, CPP and OAS Analysis Severance Pay - Analysis & Investment of Lumpsum payment Beneficiary Audit Legacy Planning Inheritance Intergenerational transfers Estate Bond Gifting to Children Trusts Charitable donation * Some Estate Planning strategies may require the involvement of a Legal professional Complimentary Retirement Planning Workshop Tax Minimization Strategies* Tax efficiency of investments Tax Deferral , Tax Conversion Tax Gain / Loss Harvesting Tax efficient transfer assets through your Estate Income splitting Inter-Generational transfer *Tax minimization strategies abide by rules set forth by the CRA and may require us to work along side a Chartered Accountant. Retirement Planning Pyramid It’s important to plan for your financial future. If you’re not sure how to plan ahead, take a look at the Retirement Planning Pyramid. This widely accepted and simple tool can help you create a retirement plan that is built on a solid foundation. The pyramid illustrates which financial matters you should address first: debt reduction, insurance needs, a properly drawn will and an emergency fund. As you move up the pyramid (by reducing debt and acquiring assets), your income protection needs are replaced by your need to accumulate more wealth. Ask us to help you plan ahead using the Retirement Planning Pyramid. Corporate In-Kind Donating As more and more corporations invest their retained earnings directly in various vehicles like mutual funds or publicly traded securities, the value of their portfolio tends to grow. And as business owners build their corporation's portfolio, they may also want to 'give back' while taking advantage of the tax benefits of donating investment funds to charity. However, what many business owners may not know is that where corporate investments have increased in value, a corporate donation in-kind results in a more favorable tax consequence than selling the investment and donating the cash. Learn More > Contact Us > Insightful Videos Play Video Play Video 16:00 Estate Planning: The Four Documents You Need | Money Unscripted | Fidelity Investments Estate planning is a process that’s full of emotions. And full of questions. Where do you start? Who should be part of the conversation? And what are the key documents you need? On this episode of Money Unscripted, host Ally Donnelly and Fidelity’s Pamela Pirone-Benson break down everything from writing a will and setting up a trust to choosing your power of attorney and navigating estate taxes. Watch now. 00:00 Welcome to Money Unscripted 00:55 Why you should have an estate plan 01:24 What is an estate plan? 02:01 Getting organized 03:11 The core four estate planning documents 03:40 What is a power of attorney? 04:03 Having a health care proxy 04:31 What is a living will? 05:07 Do I need an attorney to draft my documents? 05:43 Elements of a last will and testament 07:28 What is probate? 07:49 Wills vs. trusts 09:22 What to know about estate taxes 10:26 How strategic gifting can impact estate taxes 11:10 When to revisit your estate plan 11:58 How to start estate planning conversations 14:52 Estate planning: A recap Questions? Drop them below 👇 and we’ll reply right in the comments. 5 steps to create an estate plan: https://www.fidelity.com/viewpoints/wealth-management/estate-planning-made-easy 10 estate plan pitfalls to avoid: https://www.fidelity.com/viewpoints/wealth-management/estate-planning-common-pitfalls View all episodes here: https://www.fidelity.com/learning-center/money-unscripted. New episodes drop bi-weekly on Tuesdays. Have a comment or episode idea? We’d love to hear from you! Email us at moneyunscripted@fidelity.com. Be sure to follow, like, and share Money Unscripted! • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity © 2025 FMR LLC. All rights reserved. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1195862.2.0 Play Video Play Video 22:39 Bend, Not Break: Investing in Real Estate Amid Economic Uncertainty In this episode of PIMCO Pod, we explore why today’s uncertain environment means real estate investors may want to prioritize durable income—andstrategies that can perform even when markets are flat or faltering. The discussion and content provided within this podcast is intended for informational purposes only and may not be appropriate for all investors. Reliance upon information provided in a podcast is at the sole responsibility of the listener. The information included herein is not based on any particularized financial situation, or need, and is not intended to be, and should not be construed as, a forecast, research, investment advice or a recommendation for any specific PIMCO or other security, strategy, product or service. Past performance is not a guarantee of future results. All investments contain risk and may lose value. Investors should speak to their financial advisors regarding the investment mix that may be right for them based on their financial situation and investment objective. Podcasts may involve discussions with non-PIMCO personnel and such content contain the current opinions of the speaker but not necessarily those of PIMCO. Other podcasts may consist of audio recording of an existing PIMCO article and such material contains the current opinions of the manager. The opinions expressed in all podcasts are subject to change without notice. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. PIMCO as a general matter provides services to qualified institutions, financial intermediaries and institutional investors. This is not an offer to any person in any jurisdiction where unlawful or unauthorized. For additional important information go to www.pimco.com/gbl/en/general/legal-pages/podcast-disclosures Play Video Play Video 01:10 The future of liability-driven investing Learn what the next phase in liability-driven investing (LDI) looks like, and see what trends are driving the evolution. CORP-12712 date of first use: feb 2025 Play Video Play Video 03:26 Can China's Real Estate Market Get Back on Track? | with John Kratochwil AGF Investments Inc. senior analyst John Kratochwil explains how recent government measures in China could spur interest in the country's real estate sector. Play Video Play Video 02:21 Are powers of attorney part of your estate plan? The Wealthy Barber wants to know Who will care for you if you can’t? David Chilton explains why it’s important to have powers of attorney, especially at his age. Learn more at https://rbc.com/royaltrust Do you have a plan for who will look after you should you become incapacitated? In this video, David Chilton, the Wealthy Barber, explains why it’s “absolutely vital” to have powers of attorney as part of your estate plan. “When you get to be my age—in your 60s—you’re constantly seeing friends who are incapacitated due to a heart attack, a stroke, an accident … They don’t have a power of attorney in place … [it’s a] huge inconvenience and hassle factor dealing with the courts,” he says. Watch the video to learn more about what you should look for in the person you appoint as a power of attorney. Play Video Play Video 01:46 When should you start saving for retirement? You don’t need a lot of money to begin saving for retirement. It’s not always possible to invest large amounts to save for retirement, but it’s also not necessary. Play Video Play Video 01:41 Signing up for Manulife Vitality for Group Benefits How to sign up and get the Manulife Vitality app. The Manufacturers Life Insurance Company (Manulife) The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. PO Box 2580, STN B Montreal QC H3B 5C6. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Play Video Play Video 02:24 Retirement Planning - My Money Tools Video. Do you want to find out if the money you are saving today supports your retirement goals? If you are not sure, it's time to learn why it is important to use the Retirement Planner calculator and the Asset Allocation tool.

What type of investor are you? Equity investors are people who invest money into a company in exchange for a share of ownership in the company. Equity Investor Stocks & Equity Reliable Income & Growth - Historical evidence shows dividends as a reliable source of income and additional portfolio growth over time. Mitigate Market Volatility - Dividends can act as a cushion during market turbulence, offering comfort to equity investors and encouraging them to stay invested. Potential for Share-Price Gains - Companies increasing dividend payouts to reward investors may lead to share-price appreciation, offering additional benefits for shareholders. Exchange Traded Funds (ETFs) ETFs, or Exchange-Traded Funds, are like a hybrid of stocks and mutual funds. They're open-ended mutual funds that trade like stocks throughout the trading day. Unlike traditional mutual funds, ETFs can be bought or sold at any time when the market is open, just like shares of a company. This offers investors flexibility and liquidity. ETFs are bought and sold at market prices, which can sometimes differ from their net asset value. Exchange Traded Funds (ETF) Terminology Non-Principal Protected Structured Notes (NPPN) NPPNs: Tailored Investment Solutions Non-Principal Protected Notes (NPPNs) offer a personalized approach to investment returns. Unlike traditional equity investments, NPPNs provide flexibility. They can yield enhanced returns when markets rise and varying levels of principal protection in market downturns. Key Features: Customizable to match your investment preferences. Linked to various underlying assets like indices, stocks, and more. Provides a balance between potential returns and capital protection. Discover NPPNs: Explore investment alternatives that align with your unique financial goals. Closed Ended Funds Closed-Ended Funds: A Unique Investment Approach Explore the world of Closed-Ended Funds (CEFs), where traditional mutual fund principles meet a distinctive twist. Managed by investment experts, CEFs house diverse portfolios of securities, just like mutual funds. However, CEFs stand apart in their structure: once the initial public offering (IPO) concludes, capital no longer flows in or out through purchases or sales of shares. Instead, shares are traded on an exchange, with other market participants stepping in as buyers or sellers. This distinctive setup adds a layer of market dynamics to CEFs, offering an intriguing investment avenue. Benefits: Exchange Trading: CEF shares are traded on exchanges, enhancing flexibility and accessibility. Diversification: CEFs pool resources to invest in various securities, spreading risk. Unique Market Dynamics: Unlike traditional mutual funds, CEF prices can differ from their net asset value. Insightful Videos Play Video Play Video 12:31 Women And Money: Investing In Your Future | Money Unscripted | Fidelity Investments Baby boomers are set to pass on trillions of dollars to the next generations in the coming years. Much of it is expected to go to women. On this episode of Money Unscripted, Ally sits down with Alex Roca, the new host of Fidelity’s Women Talk Money show to answer women’s two biggest questions: Is it too late to get started and where should I put my next dollar? Hint: It’s never too late. From starting where you are to defining your priorities to keeping your saving and investing consistent, Alex has the tips you can use to focus on the big picture and help make your money work as hard as you do. 00:00 Welcome to Money Unscripted 00:26 Introducing Alex Roca, the new host of Fidelity’s Women Talk Money show. 02:32 What is the Great Wealth Transfer? 02:52 What do women want to consider in their financial planning? 03:37 What are the two biggest questions women ask about money? 05:06 Is it ever too late to start investing or build my financial plan? 06:01 Why is defining my priorities so important? 08:25 How can I build up my financial confidence? 11:06 What are the five keys to financial planning? Questions? Drop them below 👇 and we’ll reply right in the comments. Planning for women’s health costs: https://www.fidelity.com/learning-center/women-talk-money/planning-womens-health Fidelity Women Talk Money: https://www.fidelity.com/learning-center/women-talk-money/event-replays View all episodes here: https://www.fidelity.com/learning-center/money-unscripted. New episodes drop bi-weekly on Tuesdays. Have a comment or episode idea? We’d love to hear from you! Email us at moneyunscripted@fidelity.com. Be sure to follow, like, and share Money Unscripted! • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity © 2025 FMR LLC. All rights reserved. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1204825.2.0 Play Video Play Video 24:26 How Stocks Might React to Interest Rate Cuts - 8/12/25 | Market Sense | Fidelity Investments After a disappointing jobs report, the markets are betting the Fed will cut interest rates in September. So, what does history tell us about rate cuts and how they affect the markets? On this episode of Market Sense, our Fidelity leaders discuss the chances of a rate cut in September and what it could mean for investors. Topics covered: • Federal Reserve • Interest Rate Cuts • Stocks & Bonds 00:00: Market sense introduction 02:02: When will we see tariff impact? 05:03: Rate cut for September? 07:26: What history says about rate cuts and the markets 09:13: Rate cut & potential for growth 10:55: Market pricing 12:48: Bond market/ 60/40 portfolio 15:14: Rate cut and inflation 18:07: International stocks 19:40: Potential opportunities 21:06: Future of the Fed Click here to check out our Market Sense homepage and sign up to watch us live every Tuesday at 2pm. https://www.fidelity.com/learning-center/live-PI?ccsource=marketsenseCTA And while you’re there, you can also sign up for the Viewpoints newsletter and try out our retirement savings calculator. Questions? Drop them below 👇 and we’ll reply right in the comments. • Like what you see? Register for the next event: • https://fidelityevents.com/Market-Sense?utm_campaign=YouTube • Subscribe to Fidelity Viewpoints: https://www.fidelity.com/signup/viewpoints_wkly • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 DISCLAIMER: For workplace use, business to assume risk of promoting. 1218915.1.0 #GlobalTrade #InternationalStocks #MarketNews #BondMarket Play Video Play Video 04:18 What Is Dollar-Cost Averaging? | Fidelity Investments What's a simple way to invest consistently? Dollar-cost averaging is a strategy that helps build healthy investing habits. In this video we’ll break down how it works, highlight its key benefits and potential watchouts, and show you how to set it up using recurring investing on Fidelity.com. 00:00 Intro 00:13 What is dollar-cost averaging? 00:38 How do you set up dollar-cost averaging? 00:50 What are recurring investments? 01:12 What are the benefits of dollar-cost averaging? 01:25 How can dollar-cost averaging help your money grow? 02:13 How can dollar-cost averaging help take emotion out of investing? 02:25 Timing the market vs. time in the market 02:53 How can dollar-cost averaging help lower the cost of investments? 03:15 What are some of the drawbacks of dollar-cost averaging? 03:47 How do you set up recurring investing? 03:57 Sign off Learn more about dollar-cost averaging here: https://www.fidelity.com/learning-center/trading-investing/dollar-cost-averaging Set up recurring investing here: https://www.fidelity.com/trading/recurring-investments Questions? Drop them below 👇 and we’ll reply right in the comments. • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity 1201168.2.0 #Investing #Fidelity #Money #Dollarcostaveraging #RecurringInvesting Play Video Play Video 12:11 Private Equity Finds Opportunity in America’s Child Care Crisis Parents in the US pay an average of $11,582 per year for child care for children under the age of 15. And private equity sees an opportunity, by racing to consolidate independent daycares. Easy access to capital propels their growth, but child care experts warn that debt‑loaded roll‑ups drive teacher turnover and can implode suddenly, wiping out the access they seek to provide in large numbers. Vermont’s new publicly funded program is an example of a model that works - a payroll tax and disclosure of child care center ownership to provide access to those who need it. -------- More on Bloomberg Television and Markets Like this video? Subscribe and turn on notifications so you don't miss any videos from Bloomberg Markets & Finance: https://tinyurl.com/ysu5b8a9 Visit http://www.bloomberg.com for business news & analysis, up-to-the-minute market data, features, profiles and more. Connect with Bloomberg Television on: X: https://twitter.com/BloombergTV Facebook: https://www.facebook.com/BloombergTelevision Instagram: https://www.instagram.com/bloombergtv/ Connect with Bloomberg Business on: X: https://twitter.com/business Facebook: https://www.facebook.com/bloombergbusiness Instagram: https://www.instagram.com/bloombergbusiness/ TikTok: https://www.tiktok.com/@bloombergbusiness?lang=en Reddit: https://www.reddit.com/r/bloomberg/ LinkedIn: https://www.linkedin.com/company/bloomberg-news/ More from Bloomberg: Bloomberg Radio: https://twitter.com/BloombergRadio Bloomberg Surveillance: https://twitter.com/bsurveillance Bloomberg Politics: https://twitter.com/bpolitics Bloomberg Originals: https://twitter.com/bbgoriginals Watch more on YouTube: Bloomberg Technology: https://www.youtube.com/@BloombergTechnology Bloomberg Originals: https://www.youtube.com/@business Bloomberg Quicktake: https://www.youtube.com/@BloombergQuicktake Bloomberg Espanol: https://www.youtube.com/@bloomberg_espanol Bloomberg Podcasts: https://www.youtube.com/@BloombergPodcasts Play Video Play Video 03:02 Why Defense Stocks Are Rallying | with Lazar Naiker AGF Investments’ senior analyst Lazar Naiker on the outperformance of the aerospace and defense sector so far this year Chapters: 00:00 Intro & Title 00:08 How has the global aerospace and defense sector performed so far in 2025? 00:37 Why is Europe potentially fertile ground for the aerospace and defense sector? 01:20 How might shifting U.S. priorities impact aerospace and defense stocks? 01:47 What might investors potentially expect in terms of new technologies and innovations within the aerospace and defense sector? 02:48 Disclaimer Play Video Play Video 15:01 Balancing Act: Building Resilient Portfolios in a Changing Landscape In this episode of PIMCO Pod, we discuss how systematic equity strategies and disciplined diversification can help multi-asset portfolios thrive in unpredictable markets. The discussion and content provided within this podcast is intended for informational purposes only and may not be appropriate for all investors. Reliance upon information provided in a podcast is at the sole responsibility of the listener. The information included herein is not based on any particularized financial situation, or need, and is not intended to be, and should not be construed as, a forecast, research, investment advice or a recommendation for any specific PIMCO or other security, strategy, product or service. Past performance is not a guarantee of future results. All investments contain risk and may lose value. Investors should speak to their financial advisors regarding the investment mix that may be right for them based on their financial situation and investment objective. Podcasts may involve discussions with non-PIMCO personnel and such content contain the current opinions of the speaker but not necessarily those of PIMCO. Other podcasts may consist of audio recording of an existing PIMCO article and such material contains the current opinions of the manager. The opinions expressed in all podcasts are subject to change without notice. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. PIMCO as a general matter provides services to qualified institutions, financial intermediaries and institutional investors. This is not an offer to any person in any jurisdiction where unlawful or unauthorized. For additional important information go to www.pimco.com/gbl/en/general/legal-pages/podcast-disclosures Play Video Play Video 01:10 The future of liability-driven investing Learn what the next phase in liability-driven investing (LDI) looks like, and see what trends are driving the evolution. CORP-12712 date of first use: feb 2025 Play Video Play Video 07:42 Opportunity Amid the Noise Group CIO Dan Ivascyn explains why volatility is creating a target-rich environment in fixed income, and how to build a resilient portfolio that capitalizes on opportunities across public and private markets. Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Blog: http://blog.pimco.com Terms and conditions: pimco.com/socialmedia

Professional portfolio management in Ontario & British Columbia. Sunil Heda, CPA (US), CIM® manages your portfolio with personalized strategies. Vaughan, GTA. Investment Management A Portfolio Manager provides an elevated level of wealth management You’ve worked diligently to build your assets and investment portfolio, providing you with peace of mind and financial stability. Now, it’s time to ensure your wealth continues to grow, allowing you to enjoy the lifestyle you’ve earned. We believe the most effective approach is through discretionary wealth management, exclusively provided by advisors with the Portfolio Manager designation. A Portfolio Manager is a trusted and elite professional with advanced credentials and track record, dedicated to delivering an exceptional level of client service. About Us > Advantages of partnering with a Portfolio Manager. We believe that comprehensive personal wealth planning, backed by unbiased advice, collaboration, and transparency, is essential to meeting your needs and achieving your goals. Dynamic Management Entrusting day-to-day decisions to a Portfolio Manager enables swift responses to unexpected market fluctuations, enhances asset protection during challenging market conditions, and allows for the capitalization on unforeseen investment opportunities. Peace of mind Based on an Investment Policy Statement tailored to your specific needs, a Portfolio Manager adheres to regulatory standards and a rigorous investment discipline, providing added security. Transparent Value-based Pricing Portfolio Manager fees are transparent and calculated as a percentage of your investments, rather than being commission-based on high transaction volumes. Additionally, these fees may be tax deductible for non-registered accounts. Comprehensive Reporting In addition to the monthly or quarterly reports required by industry regulations, Portfolio Managers also provide additional reports that give a consolidated overview of all your accounts. Bulk Trading A Portfolio Manager can efficiently execute trades for all clients simultaneously, ensuring that everyone equally benefits from market opportunities. Customizable Choices A Portfolio Manager has access to a diverse range of investment options, including bonds, stocks, mutual funds, ETFs, and alternative investments, offering you the best strategies and instruments to grow your wealth. Advanced Credentials The Portfolio Manager designation provides a superior standard of wealth management and demands the utmost level of education and experience in the investment sector. Strategic Tax Planning Certain investment strategies offered by a Portfolio Manager can provide tax advantages, enhancing your ability to accumulate wealth both now and during retirement. A Portfolio Manager’s fiduciary duty requires them to act with the utmost care, honesty, and good faith, making investment decisions that are unbiased, independent, and always in your best interest. Reponsibility Choose your personalized & customized Financial Advisory Services Individuals might opt to switch advisors if they feel that their current advisor's expertise no longer matches their evolving needs and they seek someone with more advanced skills. Our Portfolio Management Services Comprehensive Services and with Transparent fees! Active review, personalized solutions, and constant optimization of investment solutions based on established methods. Save time and efforts by outsourcing the Investment research, analysis and day to day management. Unparalleled access to global investment solutions beyond traditional avenues. Customized planning taking into account factors such as risk, time horizon, tax implications and long term objectives Continuously minimizes tax implications and optimizes after-tax investment returns. Regular communication with market memos, and periodic reviews of investment and how they track against goals. Offers full transparency with constant access to a dedicated Portfolio Manager. Upgrade Now Proprietary Bank Advisor Embedded fees, unclear total cost and benefit! Standardized questionnaires for investment recommendations. Focuses on proprietary mutual funds and getting deals on credit cards, credit lines, and bank accounts. Standardized approach towards retirement planning and analysis Offer support but lacks dedicated, personalized advisory access. Not Recommended Self Directed Investor Free, but could be costly due to potential mistakes! Relies on filtering through research, 'hot' tips, and family/friend suggestions and emotional choices Requires significant time to manage life savings. Minimal retirement planning and analysis Not Recommended Our expansive product offering provides clients with choices tailored to fit their financial goals and advanced investment needs, via four distinct account management platforms: Discretionary Account Management via Advisor Managed Program Third party Portfolio Management via Masters Private Account Program Fee-based wrap program via Premier Program Traditional Self Directed Investment Accounts Within the account management platform that we determine is the best fit for you and your family, we have the ability to source the appropriate investment products, including: Stocks ETFs Bonds Mutual funds Money Market Fund, GICs Alternatives, Structured Notes or Specialized Investment Products What we Offer what we provide Account Types Available Registered Retirement Savings Plans (RRSP) Registered Retirement Income Fund (RRIF) Locked in Retirement Account (LIRA) Locked in Income Fund (LIF) Tax Free Savings Accounts (TFSA) Spousal Registered Retirement Savings Plan (SRRS) Registered Education Savings Plan (RESP) Personal Investment Account Corporation Investment Account GIC Account Individual Pension Plans - IPP First Home Savings Account (FHSA) Registered Disability Savings Plan (RDSP) Informal and Formal Trusts Account WELCOME Welcome visitors to your site with a short, engaging introduction. Double click to edit and add your own text. Start Now . Our Approach We provide you with a full range of investment solutions across asset classes and geographies – fixed income, equities, asset allocation, specialty mandates and alternative strategies – along with a variety of investment styles customized to meet your individual needs Portfolio construction is more than just building better portfolios. It’s about increasing the likelihood that your clients’ investment outcomes match their goals. + Understanding Investor Needs We understand your unique needs, and combined with sophisticated portfolio construction tools and services, we design investment strategies that deliver better outcomes for you. + Proven, world-class solutions Multi-boutique shelf of core and niche investment solutions has you covered in any market condition. Multi-asset solutions approach enables us to efficiently deliver robust, diversified portfolios with sophisticated risk management. Access innovative strategies and the specialized expertise of global money managers. + Constructing Optimized portfolios Wide range of tools and solutions help construct effective portfolios. Customized portfolios using our unique strategies and modular approach as you progress through your life stages. Partner with us to develop a personalized, independent review or your portfolio. Schedule a call Back Learn More > Reach your Financial Goals Building long-term wealth is simpler than you may think. Starting early to invest and working with an advisor can help you reach your financial goals. Schedule a call Back > Value of Advice Did you know, when it comes to your financial well-being, advice may be the difference between achieving your financial goals and falling short? View Schedule a call Back Masters Private Account Program-Portfolio Managers Jarislowsky Fraser Ltd. Guaranteed Investment Certificate (GICs) B2B Bank Mutual Funds Franklin Templeton Investments Annuities BMO Insurance Segregated Funds BMO Insurance Market Linked Structured Notes BMO Capital Markets Insightful Videos Play Video Play Video 19:47 How Does An Employee Stock Purchase Plan Work? | Money Unscripted | Fidelity Investments Does your company offer an employee stock purchase plan (ESPP)? If so, it could be a way to help save for a new house, your child’s education, or build your retirement nest egg—all while investing in your company. Money Unscripted host Ally Donnelly and Fidelity pro Emily Cervino walk through the potential advantages, crunch the numbers, and break down the tax implications behind this often-overlooked workplace benefit. Watch now. 00:00 Welcome to Money Unscripted 01:04 What is an Employee Stock Purchase Plan and what benefits can it offer? 02:51 How does an ESPP work? 06:29 How do I sell my shares? 08:21 What do workers say about investing in their company? 10:55 How do taxes work with an ESPP? 12:07 How likely is it that my company offers an ESPP? 12:51 Why are ESPPs underutilized? 14:26 Why do companies offer ESPPs? 15:16 What questions should I ask if I’m considering an ESPP? 16:34 What if I leave my company? 17:52 How can an ESPP be a first step into investing? 18:34 ESPPs: A recap Questions? Drop them below 👇 and we’ll reply right in the comments. Invest in your work and your future with an ESPP: https://www.fidelity.com/go/stock-plan-services/employee-stock-purchase-plans 6 employee stock plan mistakes to avoid: https://www.fidelity.com/viewpoints/personal-finance/stock-plan-mistakes-to-avoid View all episodes here: https://www.fidelity.com/learning-center/money-unscripted. New episodes drop bi-weekly on Tuesdays. Have a comment or episode idea? We’d love to hear from you! Email us at moneyunscripted@fidelity.com. Be sure to follow, like, and share Money Unscripted! • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 © 2025 FMR LLC. All rights reserved. 1187371.2.0 Play Video Play Video 52:41 Insights Live: Creating A Flexible Investment Strategy | Fidelity Investments Join the Insights from Fidelity Wealth Management℠ team as we discuss building and maintaining a strategy that is flexible, suited to your unique situation, and built to help withstand the ups and downs of a volatile market. - Specific topics we'll cover include: - Assessing your goals and evaluating whether you're currently on track to meet them - Allocating assets based on time horizon, desire for growth, and the need for protection - Using tax-smart investing techniques to help you keep more of what you earn - Monitoring your portfolio considering your personal situation, the markets, and the economy - Balancing the benefits of professional management with self-guided tools and software as we discuss living the life you really want in the next phase of your journey. 00:00 Panelist Introductions 02:41 How do you start creating a new plan or reviewing an existing plan? 04:48 How do our professionals guide clients through the financial planning process? 05:53 How do you assess risk tolerance and comfort? 10:50 What steps can someone take to determine asset allocation? 13:44 How do tax concerns impact the way client portfolios are put together? 15:50 How can fidelity help with tax-efficient investing? 18:32 How much cash is too much? 20:54 What role do international stocks play in a portfolio? 26:23 Once you put together an asset allocation, what should go into your account? 29:20 How do you help clients keep their investment strategy in line with their time horizon? 32:54 How should someone manage their money through periods of market volatility? 35:59 How do you suggest clients measure success? 43:16 What are your expectations for interest rates this year? 45:17 What are different ways that Fidelity can help clients implement their plans? 49:04 Key takeaways Questions? Drop them below 👇 and we’ll reply right in the comments. Watch our latest webinars: https://www.fidelity.com/learning-center/wealth-management-insights/insights-live-on-demand?PID=ABcR6h8i7Db5 Get our latest Insights and perspectives on the markets: https://www.fidelity.com/learning-center/wealth-management-insights • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1212923.2.0 #WealthManagementInsights #WealthStrategy Play Video Play Video 12:31 Women And Money: Investing In Your Future | Money Unscripted | Fidelity Investments Baby boomers are set to pass on trillions of dollars to the next generations in the coming years. Much of it is expected to go to women. On this episode of Money Unscripted, Ally sits down with Alex Roca, the new host of Fidelity’s Women Talk Money show to answer women’s two biggest questions: Is it too late to get started and where should I put my next dollar? Hint: It’s never too late. From starting where you are to defining your priorities to keeping your saving and investing consistent, Alex has the tips you can use to focus on the big picture and help make your money work as hard as you do. 00:00 Welcome to Money Unscripted 00:26 Introducing Alex Roca, the new host of Fidelity’s Women Talk Money show. 02:32 What is the Great Wealth Transfer? 02:52 What do women want to consider in their financial planning? 03:37 What are the two biggest questions women ask about money? 05:06 Is it ever too late to start investing or build my financial plan? 06:01 Why is defining my priorities so important? 08:25 How can I build up my financial confidence? 11:06 What are the five keys to financial planning? Questions? Drop them below 👇 and we’ll reply right in the comments. Planning for women’s health costs: https://www.fidelity.com/learning-center/women-talk-money/planning-womens-health Fidelity Women Talk Money: https://www.fidelity.com/learning-center/women-talk-money/event-replays View all episodes here: https://www.fidelity.com/learning-center/money-unscripted. New episodes drop bi-weekly on Tuesdays. Have a comment or episode idea? We’d love to hear from you! Email us at moneyunscripted@fidelity.com. Be sure to follow, like, and share Money Unscripted! • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity © 2025 FMR LLC. All rights reserved. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1204825.2.0 Play Video Play Video 16:00 Estate Planning: The Four Documents You Need | Money Unscripted | Fidelity Investments Estate planning is a process that’s full of emotions. And full of questions. Where do you start? Who should be part of the conversation? And what are the key documents you need? On this episode of Money Unscripted, host Ally Donnelly and Fidelity’s Pamela Pirone-Benson break down everything from writing a will and setting up a trust to choosing your power of attorney and navigating estate taxes. Watch now. 00:00 Welcome to Money Unscripted 00:55 Why you should have an estate plan 01:24 What is an estate plan? 02:01 Getting organized 03:11 The core four estate planning documents 03:40 What is a power of attorney? 04:03 Having a health care proxy 04:31 What is a living will? 05:07 Do I need an attorney to draft my documents? 05:43 Elements of a last will and testament 07:28 What is probate? 07:49 Wills vs. trusts 09:22 What to know about estate taxes 10:26 How strategic gifting can impact estate taxes 11:10 When to revisit your estate plan 11:58 How to start estate planning conversations 14:52 Estate planning: A recap Questions? Drop them below 👇 and we’ll reply right in the comments. 5 steps to create an estate plan: https://www.fidelity.com/viewpoints/wealth-management/estate-planning-made-easy 10 estate plan pitfalls to avoid: https://www.fidelity.com/viewpoints/wealth-management/estate-planning-common-pitfalls View all episodes here: https://www.fidelity.com/learning-center/money-unscripted. New episodes drop bi-weekly on Tuesdays. Have a comment or episode idea? We’d love to hear from you! Email us at moneyunscripted@fidelity.com. Be sure to follow, like, and share Money Unscripted! • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity © 2025 FMR LLC. All rights reserved. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1195862.2.0 Play Video Play Video 24:26 How Stocks Might React to Interest Rate Cuts - 8/12/25 | Market Sense | Fidelity Investments After a disappointing jobs report, the markets are betting the Fed will cut interest rates in September. So, what does history tell us about rate cuts and how they affect the markets? On this episode of Market Sense, our Fidelity leaders discuss the chances of a rate cut in September and what it could mean for investors. Topics covered: • Federal Reserve • Interest Rate Cuts • Stocks & Bonds 00:00: Market sense introduction 02:02: When will we see tariff impact? 05:03: Rate cut for September? 07:26: What history says about rate cuts and the markets 09:13: Rate cut & potential for growth 10:55: Market pricing 12:48: Bond market/ 60/40 portfolio 15:14: Rate cut and inflation 18:07: International stocks 19:40: Potential opportunities 21:06: Future of the Fed Click here to check out our Market Sense homepage and sign up to watch us live every Tuesday at 2pm. https://www.fidelity.com/learning-center/live-PI?ccsource=marketsenseCTA And while you’re there, you can also sign up for the Viewpoints newsletter and try out our retirement savings calculator. Questions? Drop them below 👇 and we’ll reply right in the comments. • Like what you see? Register for the next event: • https://fidelityevents.com/Market-Sense?utm_campaign=YouTube • Subscribe to Fidelity Viewpoints: https://www.fidelity.com/signup/viewpoints_wkly • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 DISCLAIMER: For workplace use, business to assume risk of promoting. 1218915.1.0 #GlobalTrade #InternationalStocks #MarketNews #BondMarket Play Video Play Video 04:18 What Is Dollar-Cost Averaging? | Fidelity Investments What's a simple way to invest consistently? Dollar-cost averaging is a strategy that helps build healthy investing habits. In this video we’ll break down how it works, highlight its key benefits and potential watchouts, and show you how to set it up using recurring investing on Fidelity.com. 00:00 Intro 00:13 What is dollar-cost averaging? 00:38 How do you set up dollar-cost averaging? 00:50 What are recurring investments? 01:12 What are the benefits of dollar-cost averaging? 01:25 How can dollar-cost averaging help your money grow? 02:13 How can dollar-cost averaging help take emotion out of investing? 02:25 Timing the market vs. time in the market 02:53 How can dollar-cost averaging help lower the cost of investments? 03:15 What are some of the drawbacks of dollar-cost averaging? 03:47 How do you set up recurring investing? 03:57 Sign off Learn more about dollar-cost averaging here: https://www.fidelity.com/learning-center/trading-investing/dollar-cost-averaging Set up recurring investing here: https://www.fidelity.com/trading/recurring-investments Questions? Drop them below 👇 and we’ll reply right in the comments. • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity 1201168.2.0 #Investing #Fidelity #Money #Dollarcostaveraging #RecurringInvesting Play Video Play Video 28:32 Active asset allocation: Global opportunities – Ayesha Akbar Global trade has been a risk to the markets for most of this year. Through last week, ever more so. The tariff story has been a shock to the system and is beginning to see governments spend differently at home. Investing in their own supply chains, or with new partners in the global system. Fresh rounds of local stimulus means new opportunities to bolster exposure to global local markets and give parts of the emerging world new reasons to shine. Joining the show today to discuss her approach to this new playing field is Fidelity Global Asset Allocation Portfolio Manager, Ayesha Akbar. Recorded on July 11, 2025. At Fidelity, our mission is to build a better future for Canadian investors and help them stay ahead. We offer investors and institutions a range of innovative and trusted investment portfolios to help them reach their financial and life goals. Fidelity mutual funds and ETFs are available by working with a financial advisor or through an online brokerage account. Visit fidelity.ca/howtobuy for more information. For a fourth year in a row, FidelityConnects by Fidelity Investments Canada was ranked #1 podcast by Canadian financial advisors in the 2024 Environics’ Advisor Digital Experience Study. Fidelity Canada provides Canadian investors a full range of domestic, international and income oriented mutual funds, as well as asset allocation and managed solutions and the high net worth program, the Fidelity Private Investment Program. Fidelity Funds are available through a number of advice-based distribution channels including financial planners, investment dealers, banks, and insurance companies. For privacy policy and legal information, please visit: www.fidelity.ca Read a fund’s prospectus and consult your financial advisor before investing. Mutual funds are not guaranteed; their values change frequently and past performance may not be repeated. Investors will pay management fees and expenses, may pay commissions or trailing commissions, and may experience a gain or loss. Views expressed regarding a particular company, security, industry or market sector are the views only of that individual as of the time expressed and do not necessarily represent the views of Fidelity or any other person in the Fidelity organization. Such views are subject to change at any time based upon markets and other conditions and Fidelity disclaims any responsibility to update such views. These views may not be relied on as investment advice and, because investment decisions for a Fidelity fund are based on numerous factors, may not be relied on as an indication of trading intent on behalf of any Fidelity fund. Certain statements in this commentary may contain forward-looking statements ("FLS") that are predictive in nature and may include words such as "expects", "anticipates", "intends", "plans", "believes", "estimates" and similar forward-looking expressions or negative versions thereof. FLS are based on current expectations and projections about future general economic, political and relevant market factors, such as interest and foreign exchange rates, equity and capital markets, and the general business environment, in each case assuming no changes to applicable tax or other laws or government regulation. Expectations and projections about future events are inherently subject to, among other things, risks and uncertainties, some of which may be unforeseeable and, accordingly, may prove to be incorrect at a future date. FLS are not guarantees of future performance, and actual events could differ materially from those expressed or implied in any FLS. A number of important factors can contribute to these digressions, including, but not limited to, general economic, political and market factors in North America and internationally, interest and foreign exchange rates, global equity and capital markets, business competition and catastrophic events. You should avoid placing any undue reliance on FLS. Further, there is no specific intention of updating any FLS whether as a result of new information, future events or otherwise. Play Video Play Video 30:45 Opportunities in alternative strategies – Brendan Sims As investors stickhandle through news of global tariff uncertainty, an increasing option for steadying the ship is alternatives. Fidelity's growing universe of alts offers ways to include private real estate investments, cryptocurrencies and equity long/short strategy exposure to various portfolios. For instance, how can a longer term view on private real estate add ballast to your client's investments while short term market volatility reigns in these markets? On today's show to take us into the world of alternatives and how they could play a vital role in your clients' portfolios is Fidelity alternative investment strategist, Brendan Sims. Recorded on May 30, 2025. Fidelity Canada provides Canadian investors a full range of domestic, international and income oriented mutual funds, as well as asset allocation and managed solutions and the high net worth program, the Fidelity Private Investment Program. Fidelity Funds are available through a number of advice-based distribution channels including financial planners, investment dealers, banks, and insurance companies. For privacy policy and legal information, please visit: www.fidelity.ca Read a fund’s prospectus and consult your financial advisor before investing. Mutual funds are not guaranteed; their values change frequently and past performance may not be repeated. Investors will pay management fees and expenses, may pay commissions or trailing commissions, and may experience a gain or loss. Views expressed regarding a particular company, security, industry or market sector are the views only of that individual as of the time expressed and do not necessarily represent the views of Fidelity or any other person in the Fidelity organization. Such views are subject to change at any time based upon markets and other conditions and Fidelity disclaims any responsibility to update such views. These views may not be relied on as investment advice and, because investment decisions for a Fidelity fund are based on numerous factors, may not be relied on as an indication of trading intent on behalf of any Fidelity fund. Certain statements in this commentary may contain forward-looking statements ("FLS") that are predictive in nature and may include words such as "expects", "anticipates", "intends", "plans", "believes", "estimates" and similar forward-looking expressions or negative versions thereof. FLS are based on current expectations and projections about future general economic, political and relevant market factors, such as interest and foreign exchange rates, equity and capital markets, and the general business environment, in each case assuming no changes to applicable tax or other laws or government regulation. Expectations and projections about future events are inherently subject to, among other things, risks and uncertainties, some of which may be unforeseeable and, accordingly, may prove to be incorrect at a future date. FLS are not guarantees of future performance, and actual events could differ materially from those expressed or implied in any FLS. A number of important factors can contribute to these digressions, including, but not limited to, general economic, political and market factors in North America and internationally, interest and foreign exchange rates, global equity and capital markets, business competition and catastrophic events. You should avoid placing any undue reliance on FLS. Further, there is no specific intention of updating any FLS whether as a result of new information, future events or otherwise.

Retirement income planning in Ontario & British Columbia - RRIF, LIF, CPP & OAS optimization plus wealth transfer. Sunil Heda, CPA (US), CIM®, Vaughan, GTA Retiree Life Income Fund A Life Income Fund (LIF) is a specialized retirement income vehicle designed to manage pension funds and provide a steady stream of retirement income. Unlike lump-sum withdrawals, LIFs are structured to ensure financial support throughout your retirement years. Key Features: Lifetime Income: LIFs are tailored to provide income for your lifetime. Government Guidelines: Minimum and maximum withdrawal amounts are determined annually based on your LIF's balance and annuity factor, as specified in the Income Tax Act. Contact Us > A RRIF, or Registered Retirement Income Fund, is a registered arrangement between you and a financial institution recognized by the Canada Revenue Agency. It allows you to transfer funds from various retirement savings plans, such as RRSPs, PRPPs, RPPs, SPPs, or another RRIF. Tax Benefits - Enjoy tax-free earnings within your RRIF while understanding that withdrawals are taxable upon receipt. The flexibility to transfer property from various retirement plans adds to its appeal. Tailored Payouts - With a minimum annual withdrawal requirement based on your age, RRIFs are designed to cater to your specific needs during retirement. For more details, reach out to us for personalized guidance. Contact Us > Registered Retirement Income Funds (RRIFs) The Canada Pension Plan (CPP) is a mandatory contributory retirement plan that provides you with an inflation-indexed retirement pension, generally beginning at age 65. Learn More > CPP Income Planning Guide Guide to Passing on Wealth Planning for death is difficult, because it’s an emotional topic. However, to preserve wealth, it’s important to employ a checklist to enable a thorough discussion and encourage trigger questions. Learn More > . Ontario's probate process is governed by the Estate Administration Tax Act, 1998 ("EATA"). In 2011 Ontario enacted significant changes to the legislation. With these regulations in place, Ontario released its Estate Information Return, which executors will be required to file for estates for which an application of probate had not been submitted prior to January 1, 2015. To learn more about how these regulations may affect you, please get in touch with us or click Contact us . Contact Us > Ontario's Estate Information Return Your Will Planning Workbook A great deal of thought and planning needs to go into preparing your Will. Not only should you consider what your estate is currently worth, you should also consider your future sources of wealth. Learn More > Segregated fund contracts offer built‑in features designed to help clients achieve all of these goals to protect and build savings, and do so in ways that may not be possible with other investment vehicles. They appeal to conservative investors, particularly those who worry about market downturns and enable them to retire with confidence. They have elements that attract business owners and professionals, who may have concerns about creditor protection. They provide advantages to anyone looking for strategies to protect an estate for loved ones. *Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund. Segregated Funds* Annuities An annuity is an insurance contract where, in exchange for a single lump-sum deposit, an insurer makes guaranteed regular income payments back to the owner of the annuity. These payments contain both interest and a return of principal component. Annuity payments can continue for a chosen period of time or for the lifetime(s) of on or two people. Insightful Videos Play Video Play Video 01:07 4 things you didn’t know about your Advantage Account – Manulife Bank Four things you may not know about your Advantage Account When you get a new bank account, most banks ask you to choose between a great interest rate, no fees and the ability to bank the way you want. With your Advantage Account, you don’t have to choose. Here are four things you may not know about your Advantage Account: One. You have access to all the features of a chequing account. You can send an e-Transfer to your brother. Tap to pay for tonight’s take-out. And use our mobile app to deposit that cheque your parents sent you for your birthday. Two. You can bank for free. When you keep a thousand dollars in your account, there are no fees for any of your daily banking transactions (fees apply for daily banking transactions when your balance is below $1,000). Three. You earn a great rate of interest on every dollar in your account. Because you deserve to earn interest on your money. Four. You can access your account at thousands of ATMs across Canada with no convenience fee. Check out our website to find one near you. With your Advantage Account, you can have it all. Play Video Play Video 03:10 Life & Money Matters - Retirement realities for boomers Play Video Play Video 02:12 Life & Money Matters - Top retirement planning concerns Play Video Play Video 02:24 Retirement Planning - My Money Tools Video. Do you want to find out if the money you are saving today supports your retirement goals? If you are not sure, it's time to learn why it is important to use the Retirement Planner calculator and the Asset Allocation tool. Play Video Play Video 02:38 Retirement Planning Made Simple Play Video Play Video 01:42 Mortgages in retirement Play Video Play Video 01:12 Retirement Planning with GIF 100/100 Play Video Play Video 01:46 When should you start saving for retirement? You don’t need a lot of money to begin saving for retirement. It’s not always possible to invest large amounts to save for retirement, but it’s also not necessary.

View photos from financial seminars, client events & community activities by Sunil Heda, CPA (US), CIM®. Vaughan, GTA, Ontario & British Columbia. Sunil's Photo Gallery hero section Joe Li, Regional Counselor City of Markham Kevin O'Leary, Businessman, Television Personality, Founder of SoftKey Amrit Mangat, Former Ontario MPP Sunil Heda with Surrender Sharma, world renowned Indian poet writer and humorist Sunil and Sadhguru, World Renowned Yogi and Mystic Jason Kenny, Former Canadian Minister of National Defence Baba Ramdev, world renowned Yoga Guru Susan Fennell, Ex Mayor Brampton and Hansa Heda Patrick Brown, MPP, Mayor of Brampton, Former leader of the Progressive Conservative Party Michael Wekerle, Merchant banker and Dragon's Den cast Ontario Konkani Association - Convention My family - Sunil, Hansa, Harsh and Yash Heda Dr. Helena Jaczek, MPP, Ontario Minister of Community and Social Services and Hansa Heda ICCC Seminar Deepak Anand, Ontario MPP Arya Chandra, Member of Parliament Nepean, Ontario Patrick Brown, MPP, Leader of the Progressive Conservative Party of Ontario Frank Scarpitti, Mayor of Makham City Insightful Video Play Video Play Video 00:16 How Much Life Insurance Do I Need? Life Insurance Awareness Month. Learn more at www.empirelife.ca! Play Video Play Video 01:02 How do I know if I need life insurance? Part II Play Video Play Video 02:42 Conditions hypothécaires diversifiées Play Video Play Video 02:30 The Rule of 72 Learn how to use the Rule of 72 to determine how long it will take your money to double in any interest-bearing account. Knowledge is power! Play Video Play Video 02:55 Need to Invest Early Procrastinating is one of the most damaging things you can do when it comes to your retirement savings. But there is still time, and the best time to start planting that seed is today! Play Video Play Video 02:49 An introduction to mutual funds Get a simple explanation of how mutual funds work. Play Video Play Video 02:27 What is diversification? Learn, in easy-to-understand terms, what diversification is and why it is important in your investment strategy. Play Video Play Video 02:13 Financial resolution: the value of an advisor Clément Gignac, Senior Vice-President and Chief Economist, shares with you the importance of working with an advisor.

Access financial calculators, investment insights, webinars and market updates from Sunil Heda, CPA (US), CIM®. Vaughan, GTA, Ontario & British Columbia. Insights Resources Calculators & Links Events #HedaInvestmentsQuotes Sunil's Blog & Market Update Commonly used calculators. Calculators & Links Upcoming Events Events Quotes that help you grow financially #HedaInvestmentsQuotes For interesting reads about the current financial markets and quarterly Market Updates. Sunil's Blog & Market Update Follow us on Linkedin Insightful Videos Play Video Play Video 02:22 Tax-Managed Investing | How are we going to pay for all this? Part Two Disclosures: Fund objectives, risks, charges and expenses should be carefully considered before investing. A summary prospectus, if available, or a prospectus containing this and other important information can be obtained by calling (800) 787-7354 or visiting https://russellinvestments.com. 𝗣𝗹𝗲𝗮𝘀𝗲 𝗿𝗲𝗮𝗱 𝗮 𝗽𝗿𝗼𝘀𝗽𝗲𝗰𝘁𝘂𝘀 𝗰𝗮𝗿𝗲𝗳𝘂𝗹𝗹𝘆 𝗯𝗲𝗳𝗼𝗿𝗲 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴. Morningstar U.S. Equity Universes includes US Fund Large Blend, US Fund Large Value, US Fund Large Growth, US Fund Mid-Cap Blend, US Fund Mid-Cap Value, US Fund Mid-Cap Growth, US Fund Small Blend, US Fund Small Value, US Fund Small Growth. Methodology for Tax Drag: Includes all open-ended investment products – mutual funds/ETFs that are both active and passive. Tax Drag reflects the arithmetic average of Morningstar Tax Cost Ratio. Data includes all share classes and reflects Morningstar category of US Equity. Morningstar’s tax cost ratio assumes the highest possible applicable tax rates, including the 3.8% net investment income tax. Many investors are not subject to the highest rates. Note that tax drag calculations only apply to taxable accounts. The Morningstar categories are as reported by Morningstar and have not been modified. © 2020 Morningstar, Inc. All Rights Reserved. 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This material is proprietary and may not be reproduced, transferred, or distributed in any form without prior written permission from Russell Investment Group. It is delivered on an “as is” basis without warranty. 𝗥𝘂𝘀𝘀𝗲𝗹𝗹 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗖𝗼𝗺𝗽𝗮𝗻𝘆 𝗺𝘂𝘁𝘂𝗮𝗹 𝗳𝘂𝗻𝗱𝘀 𝗮𝗿𝗲 𝗱𝗶𝘀𝘁𝗿𝗶𝗯𝘂𝘁𝗲𝗱 𝗯𝘆 𝗥𝘂𝘀𝘀𝗲𝗹𝗹 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀, 𝗟𝗟𝗖, 𝗺𝗲𝗺𝗯𝗲𝗿 𝗙𝗜𝗡𝗥𝗔, 𝗽𝗮𝗿𝘁 𝗼𝗳 𝗥𝘂𝘀𝘀𝗲𝗹𝗹 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀. First used August 2021. RIFIS 24086 Exp0824 Play Video Play Video 02:55 Need to Invest Early Procrastinating is one of the most damaging things you can do when it comes to your retirement savings. But there is still time, and the best time to start planting that seed is today! Play Video Play Video 01:46 When should you start saving for retirement? You don’t need a lot of money to begin saving for retirement. It’s not always possible to invest large amounts to save for retirement, but it’s also not necessary. Play Video Play Video 01:09 What is an RRSP? Did you know the Canadian government gives financial incentives to help you save for your retirement? Find out more about registered retirement savings plans. What is an RRSP? Simply put, a Registered Retirement Savings Plan, or RRSP, is a special type of savings account that helps Canadians save for their retirement. How does an RRSP work? Contributions you make to an RRSP are tax-deferred, meaning the money is only taxed when you withdraw it. For most, withdrawing from your RRSP at a later point in life means paying much less tax. Any money put into an RRSP, up to the annual limit, reduces your taxable income for that year. Your annual limit is a percentage of your earned income plus unused room from earlier years. You can hold a variety of investments in your RRSP, like stocks, bonds, GICs, and mutual funds. Because income earned inside an RRSP isn't subject to tax until it's withdrawn, RRSPs are a powerful way to save for your retirement. Find more tips and tools at sunlife.ca. Life's brighter under the sun. Learn more about RRSPs: https://www.sunlife.ca/ca/Investments/RRSP+TFSA+and+RESP/Registered+retirement+savings+plan+RRSP?vgnLocale=en_CA Play Video Play Video 02:27 What is diversification? Learn, in easy-to-understand terms, what diversification is and why it is important in your investment strategy. Play Video Play Video 02:01 BMO Guaranteed Investment Funds Play Video Play Video 01:04 How the Chartered Investment Manager (CIM) designation benefits you The Chartered Investment Manager (CIM®) designation is a leading industry standard for discretionary investment and portfolio management services. It ensures advisors have the knowledge and skills to evaluate and expertly manage all aspects of a client’s investment portfolio. Learn more about how the CIM benefits you by watching this video. Play Video Play Video 46:26 Peter Lynch: The Ultimate Guide To Stock Market Investing Peter Lynch is regarded as one of the world's most successful and well-known investors. Lynch is the legendary former manager of the Magellan Fund at Fidelity Investments, a large financial agency. At the age of 33, he took over the fund and ran it for 13 years. His accomplishment allowed him to retire at the age of 46 in 1990. Lynch's investment technique has been regarded as adaptable to time's economic circumstances, but he constantly highlighted the importance of knowing what you own.

Meet Sunil Heda, CPA (US), CIM® - Portfolio Manager & Investment Advisor at Manulife Wealth Inc. Vaughan, GTA, Ontario & British Columbia. 25+ years' experience. Portfolio Manager & Investment Advisor, Manulife Wealth Inc. Life Insurance Advisor, Manulife Wealth Insurance Services Inc. Sunil Heda is a seasoned finance professional with over 25 years experience in the financial services industry with global financial institutions such as CIBC and presently Manulife Wealth. Sunil holds the Certified Public Accountant - CPA (US) and Chartered Investment Management - CIM® designations. Sunil has also received professional training in the Canadian Securities industry, holds the Chartered Investment Management CIM® designation and manages his Wealth Management practice in Ontario and British Columbia. Sunil is also a licensed Life Insurance Advisor in Ontario and British Columbia. Sunil Heda finds that his holistic and long term investment philosophy, deep understanding of individual & corporate taxation and well rounded risk management experience make a unique and powerful combination. He takes a structured and disciplined approach to investment management and weaves tax and estate planning strategies in his design of client's portfolio. ‘Proactive, personalized and professional' approach underlines everything that Sunil does. Business Owners (General, Health-Care etc.), Professional Advisors (Accountants, Lawyers etc.) and Individuals (Executives, Retirees, Pre- Retiree, Affluent Families etc.) can find significant benefit from Sunil's comprehensive Investment and Wealth Management services. Sunil Heda is married and lives in Kleinburg, Vaughan with his wife and two young boys. Sunil Heda CPA (US), CIM® About Schedule a 15 minutes consultation Schedule a meeting Write a Google Review SUNIL HEDA Manulife Wealth Inc. Will reply in 24 hours 416-571-0369 Manulife Wealth A trusted, reputable industry leader Backed by the global strength and security of Manulife, serving one in five Canadians, you benefit from the resources and expertise of a trusted company that offers life, health and wealth solutions. Manulife Wealth is the name used in association with three firms who are here to help make your decisions easier and meet your financial goals: Manulife Wealth Inc, an investment dealer Manulife Wealth Inc., a mutual fund dealer Manulife Wealth Insurance Services Inc.*, life insurance agency operating in the national accounts sales channel * Manulife Wealth Insurance Services Inc. operates as Manulife Wealth Insurance Services Inc in the province of B.C. Learn More > Manulife Capital Markets* is Manulife’s investment banking and equity capital markets division. Manulife Capital Markets operates out of offices in Toronto and Vancouver and provides a full range of financial advisory services to both corporate clients and financial advisors across Canada. The Manulife Capital Markets team has a broad range of expertise encompassing many asset classes and industry sectors. Click here to learn more. *A division of Manulife Securities Incorporated Manulife Capital Markets Manulife Capital Markets* is Manulife’s investment banking and equity capital markets division. Manulife Capital Markets operates out of offices in Toronto and Vancouver and provides a full range of financial advisory services to both corporate clients and financial advisors across Canada. The Manulife Capital Markets team has a broad range of expertise encompassing many asset classes and industry sectors. *A division of Manulife Wealth Inc. Learn More > Manulife Wealth Insurance Services Inc Products and Services Whatever your stage in life, Manulife Wealth Insurance Services Inc. can help you feel financially assured with a variety of insurance products to meet your specific needs – whether it’s family protection, business continuity, estate preservation or investment solutions. Products and services include: Segregated funds Life insurance: term, whole life, universal life Disability insurance: income replacement and business overhead protection Critical illness insurance: enhanced and basic plans Long-term care insurance: facility and home coverage Pension plans: group retirement plans, registered pension plans, deferred profit sharing plan and registered retirement savings plans Health care benefits for individuals and associations Annuities: term certain, life *Carrying on business in British Columbia as Manulife Wealth Insurance Services Inc Manulife Financial Corporation Manulife Financial Corporation is a leading international financial services provider that helps people make their decisions easier and lives better. With our global headquarters in Toronto, Canada, it provides financial advice and insurance, operating as Manulife across Canada, Asia, and Europe, and primarily as John Hancock in the United States. Through Manulife Investment Management, the global brand for its global wealth and asset management segment, it serves individuals, institutions and retirement plan members worldwide. At the end of 2023, it had more than 38,000 employees, over 98,000 agents, and thousands of distribution partners, serving over 35 million customers. Manulife trades as ‘MFC’ on the Toronto, New York, and the Philippine stock exchanges, and under ‘945’ in Hong Kong. Learn More > Insightful Videos Play Video Play Video 00:16 How Much Life Insurance Do I Need? Life Insurance Awareness Month. Learn more at www.empirelife.ca! Play Video Play Video 01:02 How do I know if I need life insurance? Part II Play Video Play Video 02:42 Conditions hypothécaires diversifiées Play Video Play Video 02:30 The Rule of 72 Learn how to use the Rule of 72 to determine how long it will take your money to double in any interest-bearing account. Knowledge is power! Play Video Play Video 02:55 Need to Invest Early Procrastinating is one of the most damaging things you can do when it comes to your retirement savings. But there is still time, and the best time to start planting that seed is today! Play Video Play Video 02:49 An introduction to mutual funds Get a simple explanation of how mutual funds work. Play Video Play Video 02:27 What is diversification? Learn, in easy-to-understand terms, what diversification is and why it is important in your investment strategy. Play Video Play Video 02:13 Financial resolution: the value of an advisor Clément Gignac, Senior Vice-President and Chief Economist, shares with you the importance of working with an advisor.

Explore investment quotes and financial insights for smarter wealth-building decisions. Sunil Heda, CPA (US), CIM®. Vaughan, GTA, Ontario & British Columbia. #HedaInvestmentsQuotes Quotable Quotes "The hard truth is only around 3% of our population are in a position to aspire for financial independence. Don’t waste this rare" - Anonymous "Listening to market forecasts is not only useless but can be very harmful too; if you start acting on them." - Anonymous "There are periods of high returns, low returns, no returns and negative returns. We need to go through all these to get long term returns." - Anonymous "We’ll stop looking for quick money the moment we consider stocks as businesses and realise that our wealth grows in line with business growth." - Anonymous "Good periods are more than bad periods. By not timing, though we go through bad periods, do not miss even a single good period." - Anonymous "The day we realise not losing is as important as winning; we would stop blindly chasing returns." - Anonymous "Aggressive strategy cannot be a substitute for high savings. Save high and take moderate risk than saving less and taking high risk." - Anonymous “Making as much money as quickly as possible” is not an investment strategy. Unfortunately for most of us that is the strategy." - Anonymous "Losing opportunities is far better than losing money. Don’t invest in fads." - Anonymous Load More Insightful Videos Play Video Play Video 03:50 Life & Money Matters - Getting a Grip on Excessive Debt Take our debt test to better manage debt and increase your cash flow. Play Video Play Video 46:26 Peter Lynch: The Ultimate Guide To Stock Market Investing Peter Lynch is regarded as one of the world's most successful and well-known investors. Lynch is the legendary former manager of the Magellan Fund at Fidelity Investments, a large financial agency. At the age of 33, he took over the fund and ran it for 13 years. His accomplishment allowed him to retire at the age of 46 in 1990. Lynch's investment technique has been regarded as adaptable to time's economic circumstances, but he constantly highlighted the importance of knowing what you own. Play Video Play Video 00:29 Protect your world with Critical Illness Insurance Play Video Play Video 01:07 Life and Disability Insurance Protecting your employees when it matters most Play Video Play Video 02:42 Conditions hypothécaires diversifiées Play Video Play Video 02:30 The Rule of 72 Learn how to use the Rule of 72 to determine how long it will take your money to double in any interest-bearing account. Knowledge is power! Play Video Play Video 02:55 Need to Invest Early Procrastinating is one of the most damaging things you can do when it comes to your retirement savings. But there is still time, and the best time to start planting that seed is today! Play Video Play Video 02:49 See how Life Insurance helped Henry and Stacey Wondering why to purchase life insurance? Find out how life insurance helped Henry and Stacey. https://www.bmo.com/insurance/life-insurance# For more information about BMO Insurance or our products, please consult your insurance advisor or contact us at 1-877-742-5244.

Business owner wealth management in Ontario & British Columbia - IPP, corporate investments, group benefits & capital dividends. Sunil Heda, CPA (US), CIM® Business Owner & Professional Individual Pension Plan (IPP) With recent changes to pension limits and the inclusion of Individual Pension Plans (IPPs) in succession plans, business owners now have a superior pension option at their disposal. Tax-Efficient Strategy - Unlike registered assets that create tax liabilities in the estate upon the passing of the surviving spouse, IPPs offer a powerful and tax-deferred approach to transferring registered assets to the next generation. Discover the Advantages - Delve deeper into the world of IPPs and witness how these plans can revolutionize your succession strategy. Ensure a Secure Future for Your Business - Unlock the invaluable insights in the article and embrace IPPs for a seamless and prosperous succession plan. Learn More > Tips for Financial Success Own a Business? You're in Great Company! With a million small businesses operating coast-to-coast with less than 100 employees, your venture is part of a thriving community. Ensure a successful retirement for your business by setting up a well-designed retirement plan today. Learn More > Is your private corporation taking Advantages of the Capital Dividend Account? Much like individual investors, Canadian Controlled Private Corporations ("CCPC") shareholders need to be concerned with minimizing taxes and maximizing the capital that will eventually be distributed to them. Contact Us > Are your assets protected from creditors? Legislation exists at both the federal and provincial levels to protect your investments from creditors. Some offer strong protection, while others provide protection with conditions or limitations. Learn More > Insightful Videos Play Video Play Video 01:22 What's the best way to create a workplace mental health strategy? Part of Manulife's series on employee burnout. Dr. Georgia Pomaki discusses steps managers and organizations can take to prevent employee burnout and protect mental health in the workplace. https://www.manulife.ca/business/news/group-benefits-news.html Play Video Play Video 01:19 How does the RESP work? How does the RESP work? ia.ca/resp Play Video Play Video 02:49 An introduction to mutual funds Get a simple explanation of how mutual funds work. Play Video Play Video 02:05 WTF Is an ETF? There are now over 6,000 ETFs on 60 exchanges and ETFs exist for everything from corporate bonds to gold bars to oil futures. Like the USB port or a gas pump, ETFs have basically standardized the entire universe of investing so that everything under the sun now trades like shares of Apple. But what, exactly is an ETF and why have they become so popular? Bloomberg explains in this short video. Like this video? Subscribe to Bloomberg Business on YouTube: http://www.youtube.com/Bloomberg Watch Bloomberg TV live at http://www.bloomberg.com/live Play Video Play Video 01:33 Impact of withdrawals – Canada Life Your RRSP is made for retirement. Try to find other ways in an emergency or to pay down debt. View accessible version: https://share.vidyard.com/watch/CY4kQhkVMkeoRTJGbUvVHx? Play Video Play Video 04:31 Empire Life Class Plus 3.0 RRSP Play Video Play Video 00:36 Tax benefits with an RRSP – Canada Life Did you know that contributing to an RRSP can lower your annual income tax? The tax benefits of an RRSP are better than you might think. View accessible version: https://share.vidyard.com/watch/oxoGYy8QNmmottS48wadYJ? Play Video Play Video 01:09 What is an RRSP? Did you know the Canadian government gives financial incentives to help you save for your retirement? Find out more about registered retirement savings plans. What is an RRSP? Simply put, a Registered Retirement Savings Plan, or RRSP, is a special type of savings account that helps Canadians save for their retirement. How does an RRSP work? Contributions you make to an RRSP are tax-deferred, meaning the money is only taxed when you withdraw it. For most, withdrawing from your RRSP at a later point in life means paying much less tax. Any money put into an RRSP, up to the annual limit, reduces your taxable income for that year. Your annual limit is a percentage of your earned income plus unused room from earlier years. You can hold a variety of investments in your RRSP, like stocks, bonds, GICs, and mutual funds. Because income earned inside an RRSP isn't subject to tax until it's withdrawn, RRSPs are a powerful way to save for your retirement. Find more tips and tools at sunlife.ca. Life's brighter under the sun. Learn more about RRSPs: https://www.sunlife.ca/ca/Investments/RRSP+TFSA+and+RESP/Registered+retirement+savings+plan+RRSP?vgnLocale=en_CA

Fixed income & GIC solutions in Ontario & British Columbia - laddered GICs, principal-protected notes & bonds. Sunil Heda, CPA (US), CIM®. Vaughan, GTA Fixed Income & GIC Investor Bonds Borrowing with Bonds - Bonds serve as a financial tool enabling governments or corporations to borrow money from investors. They are issued with a predetermined interest rate over a specified period, from issuance to maturity. Interest Determinants - The interest rate or coupon paid for the loan is influenced by factors like the issuer's creditworthiness and prevailing market rates. Vital Asset Class - While investing in bonds may appear intricate, they play a crucial role in diversifying your portfolio. Including bonds or fixed-income securities ensures a well-balanced and secure investment strategy. Learn More > The Laddered GIC Account The Laddered GIC Account is a GIC investment that will automatically diversify your portfolio by ensuring that a portion matures each year and is reinvested at attractive long-term rates. Key Features: Diversified Portfolio: We evenly divide your investment into multiple term lengths, all starting with an attractive initial interest rate. Choose from laddered terms of one to five years or one to ten years. Automated Maturity: A portion of your investment matures annually. You can opt for automatic reinvestment into five- or 10-year terms or withdraw funds. Interest Flexibility: Interest can compound until maturity or, for non-registered accounts, be credited monthly, quarterly, semi-annually, or annually to the Daily Interest Account. Liquidity: Cashable in whole or in part, at any time*. Benefits: Rate Stability: Safeguard against future interest rate fluctuations with an initial competitive rate for all terms. Effortless Renewal: Your GIC investments can renew automatically into attractive long-term rates, with minimal involvement required. Access Anytime: Your funds are available when you need them* GIC Rates > *Surrender charges may apply if withdrawals are made prior to the maturity date. Withdrawals may be subject to legislative or contract restrictions. Additional information is available from your advisor. Contact Us > GIC Quote > Principal Protected Structured Notes (PPN) PPNs, also known as deposit notes, offer a unique investment opportunity that blends principal protection with the potential for equity market growth. With typical terms of six to eight years, PPNs tie their returns to the performance of equity investments. Benefits of PPN: Principal Protection: Your initial investment is safeguarded, ensuring peace of mind. Equity Market Participation: PPNs are typically linked to the performance of an equity investment, giving you the chance to benefit from market growth. Whether you're a seasoned investor or new to the financial landscape, Principal Protected Notes provide a secure way to explore the benefits of both worlds. GIC Quote > Contact Us > Guaranteed Interest Contract (GIC) Are you seeking security for your investment portfolio and peace of mind? Look no further than Guaranteed Investment Certificates (GICs). They offer a solid foundation for your investment strategy by reducing risk and providing consistent returns. Here's why you should consider GICs: A Solid Foundation: GICs act as the bedrock of your portfolio, enhancing stability and risk management. Positive Returns: Enjoy the confidence of guaranteed growth in at least a portion of your portfolio. Peace of Mind: Your principal is safe and secure, allowing you to rest easy. GIC provides certain benefits that may not be available through mutual fund organizations, banks, or trust companies, plus a broad range of investment choices: Basic Account Laddered Account Escalating Rate Account Market Growth Account Daily Interest Account GIC Quote > GIC Rates > Contact Us > Insightful Videos Play Video Play Video 12:31 Women And Money: Investing In Your Future | Money Unscripted | Fidelity Investments Baby boomers are set to pass on trillions of dollars to the next generations in the coming years. Much of it is expected to go to women. On this episode of Money Unscripted, Ally sits down with Alex Roca, the new host of Fidelity’s Women Talk Money show to answer women’s two biggest questions: Is it too late to get started and where should I put my next dollar? Hint: It’s never too late. From starting where you are to defining your priorities to keeping your saving and investing consistent, Alex has the tips you can use to focus on the big picture and help make your money work as hard as you do. 00:00 Welcome to Money Unscripted 00:26 Introducing Alex Roca, the new host of Fidelity’s Women Talk Money show. 02:32 What is the Great Wealth Transfer? 02:52 What do women want to consider in their financial planning? 03:37 What are the two biggest questions women ask about money? 05:06 Is it ever too late to start investing or build my financial plan? 06:01 Why is defining my priorities so important? 08:25 How can I build up my financial confidence? 11:06 What are the five keys to financial planning? Questions? Drop them below 👇 and we’ll reply right in the comments. Planning for women’s health costs: https://www.fidelity.com/learning-center/women-talk-money/planning-womens-health Fidelity Women Talk Money: https://www.fidelity.com/learning-center/women-talk-money/event-replays View all episodes here: https://www.fidelity.com/learning-center/money-unscripted. New episodes drop bi-weekly on Tuesdays. Have a comment or episode idea? We’d love to hear from you! Email us at moneyunscripted@fidelity.com. Be sure to follow, like, and share Money Unscripted! • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity © 2025 FMR LLC. All rights reserved. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1204825.2.0 Play Video Play Video 52:41 Insights Live: Creating A Flexible Investment Strategy | Fidelity Investments Join the Insights from Fidelity Wealth Management℠ team as we discuss building and maintaining a strategy that is flexible, suited to your unique situation, and built to help withstand the ups and downs of a volatile market. - Specific topics we'll cover include: - Assessing your goals and evaluating whether you're currently on track to meet them - Allocating assets based on time horizon, desire for growth, and the need for protection - Using tax-smart investing techniques to help you keep more of what you earn - Monitoring your portfolio considering your personal situation, the markets, and the economy - Balancing the benefits of professional management with self-guided tools and software as we discuss living the life you really want in the next phase of your journey. 00:00 Panelist Introductions 02:41 How do you start creating a new plan or reviewing an existing plan? 04:48 How do our professionals guide clients through the financial planning process? 05:53 How do you assess risk tolerance and comfort? 10:50 What steps can someone take to determine asset allocation? 13:44 How do tax concerns impact the way client portfolios are put together? 15:50 How can fidelity help with tax-efficient investing? 18:32 How much cash is too much? 20:54 What role do international stocks play in a portfolio? 26:23 Once you put together an asset allocation, what should go into your account? 29:20 How do you help clients keep their investment strategy in line with their time horizon? 32:54 How should someone manage their money through periods of market volatility? 35:59 How do you suggest clients measure success? 43:16 What are your expectations for interest rates this year? 45:17 What are different ways that Fidelity can help clients implement their plans? 49:04 Key takeaways Questions? Drop them below 👇 and we’ll reply right in the comments. Watch our latest webinars: https://www.fidelity.com/learning-center/wealth-management-insights/insights-live-on-demand?PID=ABcR6h8i7Db5 Get our latest Insights and perspectives on the markets: https://www.fidelity.com/learning-center/wealth-management-insights • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1212923.2.0 #WealthManagementInsights #WealthStrategy Play Video Play Video 28:32 Active asset allocation: Global opportunities – Ayesha Akbar Global trade has been a risk to the markets for most of this year. Through last week, ever more so. The tariff story has been a shock to the system and is beginning to see governments spend differently at home. Investing in their own supply chains, or with new partners in the global system. Fresh rounds of local stimulus means new opportunities to bolster exposure to global local markets and give parts of the emerging world new reasons to shine. Joining the show today to discuss her approach to this new playing field is Fidelity Global Asset Allocation Portfolio Manager, Ayesha Akbar. Recorded on July 11, 2025. At Fidelity, our mission is to build a better future for Canadian investors and help them stay ahead. We offer investors and institutions a range of innovative and trusted investment portfolios to help them reach their financial and life goals. Fidelity mutual funds and ETFs are available by working with a financial advisor or through an online brokerage account. Visit fidelity.ca/howtobuy for more information. For a fourth year in a row, FidelityConnects by Fidelity Investments Canada was ranked #1 podcast by Canadian financial advisors in the 2024 Environics’ Advisor Digital Experience Study. Fidelity Canada provides Canadian investors a full range of domestic, international and income oriented mutual funds, as well as asset allocation and managed solutions and the high net worth program, the Fidelity Private Investment Program. Fidelity Funds are available through a number of advice-based distribution channels including financial planners, investment dealers, banks, and insurance companies. For privacy policy and legal information, please visit: www.fidelity.ca Read a fund’s prospectus and consult your financial advisor before investing. Mutual funds are not guaranteed; their values change frequently and past performance may not be repeated. Investors will pay management fees and expenses, may pay commissions or trailing commissions, and may experience a gain or loss. Views expressed regarding a particular company, security, industry or market sector are the views only of that individual as of the time expressed and do not necessarily represent the views of Fidelity or any other person in the Fidelity organization. Such views are subject to change at any time based upon markets and other conditions and Fidelity disclaims any responsibility to update such views. These views may not be relied on as investment advice and, because investment decisions for a Fidelity fund are based on numerous factors, may not be relied on as an indication of trading intent on behalf of any Fidelity fund. Certain statements in this commentary may contain forward-looking statements ("FLS") that are predictive in nature and may include words such as "expects", "anticipates", "intends", "plans", "believes", "estimates" and similar forward-looking expressions or negative versions thereof. FLS are based on current expectations and projections about future general economic, political and relevant market factors, such as interest and foreign exchange rates, equity and capital markets, and the general business environment, in each case assuming no changes to applicable tax or other laws or government regulation. Expectations and projections about future events are inherently subject to, among other things, risks and uncertainties, some of which may be unforeseeable and, accordingly, may prove to be incorrect at a future date. FLS are not guarantees of future performance, and actual events could differ materially from those expressed or implied in any FLS. A number of important factors can contribute to these digressions, including, but not limited to, general economic, political and market factors in North America and internationally, interest and foreign exchange rates, global equity and capital markets, business competition and catastrophic events. You should avoid placing any undue reliance on FLS. Further, there is no specific intention of updating any FLS whether as a result of new information, future events or otherwise. Play Video Play Video 52:21 Bent, not Broken: Uncovering Value in Commercial Real Estate Join PIMCO's Russ Gannaway, Seray Incoglu and Gino Gabbianelli, alongside host Greg Hall, as they walk through the recent evolution of commercial real estate and where they see opportunity today. From sector selection to the balance of public and private strategies, they explore how advisors can help clients access durable income and long-term value amid ongoing economic uncertainty. Part 1 – Introductions Part 2 – The Story of CRE, Post-GFC to Mid-2010s Part 3 – The Story of CRE, Mid-2010s through COVID Part 4 – The Story of CRE Today Part 5 – Is it a Good Time to Lend? Part 6 – Assessing CRE Sectors Part 7 – The Evolution of CRE Products Offered to Advisors Check out PIMCO's Real Estate Outlook (https://www.pimco.com/gbl/en/insights/bend-not-break-investing-in-real-estate-amid-economic-uncertainty?utm_source=apple_spotify&utm_medium=podcast&utm_campaign=yq25q3-lmglobal-cpadvisor_forum-spaccrued_interest_podcast-moawareness-isna&utm_content=cnreoutlookbnb) The discussion and content provided within this podcast is intended for informational purposes only and may not be appropriate for all investors. Reliance upon information provided in a podcast is at the sole responsibility of the listener. The information included herein is not based on any particularized financial situation, or need, and is not intended to be, and should not be construed as, a forecast, research, investment advice or a recommendation for any specific PIMCO or other security, strategy, product or service. Past performance is not a guarantee of future results. All investments contain risk and may lose value. Investors should speak to their financial advisors regarding the investment mix that may be right for them based on their financial situation and investment objective. Podcasts may involve discussions with non-PIMCO personnel and such content contain the current opinions of the speaker but not necessarily those of PIMCO. Other podcasts may consist of audio recording of an existing PIMCO article and such material contains the current opinions of the manager. The opinions expressed in all podcasts are subject to change without notice. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. PIMCO as a general matter provides services to qualified institutions, financial intermediaries and institutional investors. This is not an offer to any person in any jurisdiction where unlawful or unauthorized. For additional important information go to ⁠www.pimco.com/gbl/en/general/legal-pages/podcast-disclosures (http://www.pimco.com/gbl/en/general/legal-pages/podcast-disclosures) Play Video Play Video 03:40 The Power of Global Bonds Andrew Balls, CIO Global Fixed Income, shares why global bonds are compelling today. With PIMCO’s global presence and local expertise in navigating market cycles, explore how high-quality global bonds can offer stability, diversification, and attractive returns amid market uncertainty. Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Blog: http://blog.pimco.com Terms and conditions: pimco.com/socialmedia Play Video Play Video 15:01 Balancing Act: Building Resilient Portfolios in a Changing Landscape In this episode of PIMCO Pod, we discuss how systematic equity strategies and disciplined diversification can help multi-asset portfolios thrive in unpredictable markets. The discussion and content provided within this podcast is intended for informational purposes only and may not be appropriate for all investors. Reliance upon information provided in a podcast is at the sole responsibility of the listener. The information included herein is not based on any particularized financial situation, or need, and is not intended to be, and should not be construed as, a forecast, research, investment advice or a recommendation for any specific PIMCO or other security, strategy, product or service. Past performance is not a guarantee of future results. All investments contain risk and may lose value. Investors should speak to their financial advisors regarding the investment mix that may be right for them based on their financial situation and investment objective. Podcasts may involve discussions with non-PIMCO personnel and such content contain the current opinions of the speaker but not necessarily those of PIMCO. Other podcasts may consist of audio recording of an existing PIMCO article and such material contains the current opinions of the manager. The opinions expressed in all podcasts are subject to change without notice. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. PIMCO as a general matter provides services to qualified institutions, financial intermediaries and institutional investors. This is not an offer to any person in any jurisdiction where unlawful or unauthorized. For additional important information go to www.pimco.com/gbl/en/general/legal-pages/podcast-disclosures Play Video Play Video 06:15 3 Bond Myths Dispelled Marc Seidner, CIO Non-traditional strategies, shares how investors should think about alpha opportunities across public and private credit markets amid the challenges of a fragmented global economy. Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Terms and conditions: pimco.com/socialmedia Play Video Play Video 06:09 Bank Retrenchment Creates Attractive Opportunities for Credit Investors Watch PIMCO President and Global Head of Credit Research Group, Christian Stracke, share insights at this year’s Milken Institute Global Conference. Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Blog: http://blog.pimco.com Terms and conditions: pimco.com/socialmedia

Portfolio management for every investor profile - equity, retiree or business owner. Sunil Heda, CPA (US), CIM®. Vaughan, GTA, Ontario & British Columbia Who are you? What is your appetite for risk? Some people may find sky diving thrilling; others would rather keep their feet on the ground. The difference between these individuals is quite likely their attitude towards risk – how willing they are to jump out of an airplane for an unforgettable thrill. It is much the same when it comes to investing. Your attitude with respect to the potential of losing money and your ability to absorb a financial loss can be very different. Learn More > Equity Investor Fixed Income & GIC Investor Tax Wise Investor Business Owner & Professional Pre-Retiree Retiree The risk of outliving your savings Canadians are living longer and longer. Most of us will likely see our 80th birthday and a growing number of us are expected to live to 100. And while many of us do plan to keep working well after turning 65 — or even indefinitely — the majority are looking forward to some form of retirement when we hit our 60s. That means we need to ensure that the nest egg we accumulate over our working life lasts long enough to support us through 30 or even 40 years of retirement. Click learn more about how to protect yourself against the risk of outliving your savings, or what we call 'longevity risk.' Learn More > The value of advice In an effort to stay healthy, you make seeing your doctor a priority. Your doctor knows your medical history and, if there is a problem, can recommend a course of treatment. The same concept applies to your finances – regular checkups with an advisor can go a long way towards improving your financial health. Whether your goal is to reduce debt, buy a house, save for retirement or simply pay the bills, you don't have to go it alone. Regardless of your stage of life or amount of wealth, you can benefit from the professional counsel and services of an advisor. In fact,71 per cent of advised households started working with an advisor when they had less than $50,000 in investable assets.1 Milestones such as buying a first home, starting a new job or having a child are all good opportunities to address new financial needs and begin working with an advisor. To view the next steps click on the slides Follow us on Linkedin Insightful Videos Play Video Play Video 02:05 WTF Is an ETF? There are now over 6,000 ETFs on 60 exchanges and ETFs exist for everything from corporate bonds to gold bars to oil futures. Like the USB port or a gas pump, ETFs have basically standardized the entire universe of investing so that everything under the sun now trades like shares of Apple. But what, exactly is an ETF and why have they become so popular? Bloomberg explains in this short video. Like this video? Subscribe to Bloomberg Business on YouTube: http://www.youtube.com/Bloomberg Watch Bloomberg TV live at http://www.bloomberg.com/live Play Video Play Video 00:13 You're Not Alone! Life Insurance Awareness Month. Learn more at www.empirelife.ca! Play Video Play Video 02:30 The Rule of 72 Learn how to use the Rule of 72 to determine how long it will take your money to double in any interest-bearing account. Knowledge is power! Play Video Play Video 01:12 Retirement Planning with GIF 100/100 Play Video Play Video 02:55 Need to Invest Early Procrastinating is one of the most damaging things you can do when it comes to your retirement savings. But there is still time, and the best time to start planting that seed is today! Play Video Play Video 01:33 Manulife Mortgage Protection Insurance (Client) Learn about Manulife Mortgage Protection Insurance and help protect the people you love. Play Video Play Video 00:16 How Much Life Insurance Do I Need? Life Insurance Awareness Month. Learn more at www.empirelife.ca! Play Video Play Video 01:02 How do I know if I need life insurance? Part II

Manulife Bank services in Ontario & British Columbia - Advantage Accounts, GICs & flexible financing. Sunil Heda, CPA (US), CIM®. Vaughan, GTA, Ontario. Banking Services Individual & Business - Advantage and Investment Savings Account Personal Advantage Account is a high-interest savings account that offers a high interest rate and gives you the features and flexibility of a chequing account. With online and telephone transfers, pre-authorized chequing and bill payments, and debit card access, you can access your money when and where you need it. Making deposits into your Personal Advantage Account is free, and withdrawals are free when your balance is $1,000 or more at the time of transaction. Personal Advantage Account> Open Now > Business Advantage Account > Contact Us > Guaranteed Investment Certificate (GIC's) GIC, or Guaranteed Investment Certificate, offer a fixed interest rate over a specified term, providing a reliable and predictable return on your investment. We have ability to book GICs with about 20 institutions. This includes amongst others, Banks such as CIBC, Bank of Nova Scotia, Manulife Bank, National Bank, Equitable Bank etc. All GICs are with institutions who have the CDIC – Canadian Deposit Insurance Corporation Protection All the GICs are booked within a single account which saves you the hassle of opening multiple accounts with several institutions. Keeping all the GICs in one accounts enables exercising care to identify and highlight to you if the booking of a new GIC would result in your aggregate GIC with an institution to exceed the CDIC coverage. Maintaining GICs through us streamlines the management of renewal of GIC to alert you about matured GIC and speedily booking them which means funds are always working. Guaranteed investment certificates (GICs) give you an investment guaranteed to grow and reassurance that your money is secure. Whether you’re looking for a low-risk investment or an effective way to diversify your portfolio, there are many benefits to GICs: Growth Security Flexibility Simplicity GIC Quote > GIC Rates > Debt Management Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. Specialized Lending > Investment Financing > RSP Financing > Access Line of Credit > IRP Lines of Credit > Flexible Financing Solutions to achieve Financial Freedom - Individual & Business Canadians owe $1.65 for every dollar of disposable income in our pockets – we’re spending more than we’re making. And it can increase our stress if it prevents us from paying bills, putting food on the table or saving for the future. Flexible Financing Referral > Learn More > Manulife Bank Manulife Bank is a Schedule I federally chartered bank and a wholly‑owned subsidiary of The Manufacturers Life Insurance Company. Established in 1993, it was the first federally regulated bank opened by an insurance company in Canada. Manulife Bank supports the sale of the parent’s core products and distributes its products through a number of channels, including financial advisors, mortgage brokers, deposit brokers and direct‑to‑client. To learn more, Click here > Insightful Videos Play Video Play Video 02:18 Diversified mortgage terms Play Video Play Video 01:07 4 things you didn’t know about your Advantage Account – Manulife Bank Four things you may not know about your Advantage Account When you get a new bank account, most banks ask you to choose between a great interest rate, no fees and the ability to bank the way you want. With your Advantage Account, you don’t have to choose. Here are four things you may not know about your Advantage Account: One. You have access to all the features of a chequing account. You can send an e-Transfer to your brother. Tap to pay for tonight’s take-out. And use our mobile app to deposit that cheque your parents sent you for your birthday. Two. You can bank for free. When you keep a thousand dollars in your account, there are no fees for any of your daily banking transactions (fees apply for daily banking transactions when your balance is below $1,000). Three. You earn a great rate of interest on every dollar in your account. Because you deserve to earn interest on your money. Four. You can access your account at thousands of ATMs across Canada with no convenience fee. Check out our website to find one near you. With your Advantage Account, you can have it all. Play Video Play Video 01:55 Mutual Fund Fees Explained Curious about how Mutual Fund Fees work? Learn how Mutual Fund fees benefit you and how they are broken down, how returns on Mutual Funds are calculated, and how this may affect you. Play Video Play Video 01:10 Do I really need travel insurance? With all the different types of travel insurance plans out there, knowing which one is right for you and your family can be confusing. Financial expert Shannon Lee Simmons explains your options. https://www.bmo.com/insurance/travel-insurance Play Video Play Video 02:42 Conditions hypothécaires diversifiées Play Video Play Video 02:22 There’s more to a mortgage than the rate. Play Video Play Video 01:34 The Benefits of Mutual Fund Investing Learning the basics of Mutual Funds can help you reach your financial goals sooner. Find out about the benefits of Mutual Fund investments such as pooling, the choices available to you, and the value and true cost of investing. Play Video Play Video 02:18 Diversified mortgage terms

Trusted Investment Advisor in Vaughan, GTA, Ontario & British Columbia. Sunil Heda, CPA (US), CIM® - Portfolio Management, Insurance & Retirement Planning Begin your Wealth conversation now! Your Vision and Goals. Our Personalized, Professional Wealth Management Services . Welcome to Heda Investments Services Insights Who are you? About Us Meet Sunil Heda CPA (US), CIM® Portfolio Manager & Investment Advisor, Manulife Wealth Inc. Life Insurance Advisor, Manulife Wealth Insurance Services Inc. A seasoned finance professional with over 25 years' experience in global institutions, including CIBC and presently at Manulife Wealth. Sunil holds the Certified Public Accountant - CPA (US) and Chartered Investment Management - CIM® designations and manages his Investment and Wealth Management practice in Ontario and British Columbia. Sunil is also licensed Life Insurance Advisor in Ontario and British Columbia. Comprehensive Skill Set: Professional training and proficiency in Portfolio Management and Insurance Management, having received training in he Canadian Securities and Insurance industry ;also prior experience in Accounting, Finance, Information Technology and Risk management. Proactive & Personalized Service: Committed to a proactive, professional approach, providing comprehensive Investment and Wealth Management services to Business Owners, Professionals, and Individuals. Our Team Contact Us Testimonials What We Do ? INVESTMENT MANAGEMENT RISK & INSURANCE MANAGEMENT BANKING SERVICES RETIREMENT PLANNING, TAX AND ESTATE PLANNING Our Brochure Testimonials " Sunil has done a great job managing my portfolio. We were new to Canada and he helpd us navigate the multiple investment options here. He is responsive with timely communications and brings forward solutions with long-term thinking. " Saurabh All Testimonials Our Niche We enable access to all Investment avenues on the market and are not bound by proprietary products We offer comprehensive Wealth Management services through entire journey - through accumulation, growing, protecting and transferring wealth working closely with accountants and tax lawyers for tax, retirement and estate planning We offer Discretionary Portfolio Management Services , providing you with a range of inherent benefits. $1.3 Trillion Manulife has over $1.3 trillion (US$1.0 trillion) in assets under management and administration as of Dec 31, 2022 #1 Manulife is not only Canada’s largest insurance company in terms of total assets, it also ranks among the world’s top 10 in the category Since 1887 Manulife serves one in four Canadians as of Dec 31, 2022 Events Upcoming Events Webinar - Your retirement income sources - Tuesday, April 21, 2026 Tue, Apr 21 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Monday, April 20, 2026 Mon, Apr 20 Webinar More info Learn more Webinar - Estate planning basics—getting a head start on the future, Saturday, April 18, 2026 Sat, Apr 18 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Friday, April 17, 2026 Fri, Apr 17 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Wednesday, April 15, 2026 Wed, Apr 15 Webinar More info Learn more Webinar - Building your emergency fund - Friday, April 10, 2026 Fri, Apr 10 Webinar More info Learn more Webinar - Your retirement income sources - Monday, April 6, 2026 Mon, Apr 06 Webinar More info Learn more Webinar - Getting started with investing - Thursday, April 2, 2026 Thu, Apr 02 Webinar More info Learn more Webinar - Four common investing mistakes and how to avoid them - Tuesday, March 31, 2026 Tue, Mar 31 Webinar More info Learn more Webinar - Taxes and your retirement income - Friday, March 27, 2026 Fri, Mar 27 Webinar More info Learn more Webinar - Taxes and your retirement income - Friday, March 27, 2026 Fri, Mar 27 Webinar More info Learn more Webinar - Internet scams—protect yourself and your money - Thursday, March 26, 2026 Thu, Mar 26 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Monday, March 23, 2026 Mon, Mar 23 Webinar More info Learn more Webinar - Countdown to retirement - Wednesday, March 11, 2026 Wed, Mar 11 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Tuesday, March 10, 2026 Tue, Mar 10 Webinar More info Learn more Webinar - Internet scams—protect yourself and your money - Monday, March 9, 2026 Mon, Mar 09 Webinar More info Learn more Webinar - Countdown to retirement - Saturday, March 7, 2026 Sat, Mar 07 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Friday, March 6, 2026 Fri, Mar 06 Webinar More info Learn more Load More Sunil's Blogs Webinar - Taking the stress out of money - Saturday, May 23, 2026 As inflation and interest rates rise, our third annual stress, finances, and well-being survey found that many Canadian workers are under financial stress. Join this webinar to learn about strategies you can use to help deal with financial stress in your life, including tips and tools that can help with budgeting, debt, and savings. Consider Various Ways of Investing in Bonds Bonds can be complex, many investors may benefit by understanding the investing options available and how to access them. Understanding Gold Prices While many factors influence the price of gold, PIMCO believes there is one that can explain the majority of changes in gold prices over the recent history: changes in real yields. More Blog Sunil Heda, CPA (US), CIM® Portfolio Manager & Investment Advisor, Book a no obligation consultation with an experienced Investment Portfolio Manager Book Meeting Get Life Insurance, Critical Illness, Disability Insurance Quote Insurance Quote Buy Travel Insurance Purchase Travel Insurance (including for Supervisa) for Visitor or Travelling Canadians Book a no obligation call- back with an experienced Investment Portfolio Manager Book a Call Back

Discover what clients say about Sunil Heda, CPA (US), CIM® at Heda Investments. Woodbridge, Vaughan, GTA, Toronto, Ontario & British Columbia. Testimonials Testimonials "Sunil Heda has proven to be a competent, trustworthy and valuable financial advisor. Based on my experience with Sunil and other past experiences, I would highly recommend him." - Paul "Sunil Heda has managed my investment portfolio for the past eight years. During this period the portfolio has grown a significant percentage because of his skillful ability to transact at the appropriate time and in the appropriate securities. Mr. Heda comes to this area of work with excellent skills. I can confidently recommend him as a Financial Advisor for Investment portfolios." - Abe "My Investments, pension funds, RRSPs were with various institutions and I was loosing track of it; wasn’t aware that consolidation can be done. Sunil explained the possibilities, helped with operational procedures to bring all investments under consolidation & helped me to appreciate & enjoy seeing my funds growing. Thanks a lot Sunil." - Rajashree "Thanks for providing us excellent services. Sunil responds to every email within minutes & takes best efforts to understand & answer all queries." - Neera "I am extremely happy with the services provided by Sunil. He is always alert with conditions and up to date in knowledge of current financials and investments. I will be pleased to recommend his name to my friends and families." - Rajender "Sunil has done a great job managing my portfolio, not just in terms of the positive steady growth I have enjoyed, but the highly tailored service, advice and options Sunil brings forward. It has been a positive experience from managing my own portfolio." - Vivek "Sunil shows professionalism, patience and a certain level of detail which is assuring. He is responsive with timely communications with his clients. He brings forward solutions with long-term thinking keeping in view the client requirements." - Rajesh "Sunil Heda has given me very good advice and structured an effective investment strategy, based on an assessment of risk tolerance, to meet my income needs and asset growth objectives. He has provided me with clear and well researched analysis of market conditions and available investment options. Sunil is friendly, responsive and proactive in carrying out actions and servicing my portfolio. He is a thoroughly reliable professional who also adds value by regularly keeping me informed with market updates and relevant investment related publications of interest. Sunil is a high quality Investment Advisor" - Gopinath "It was a pleasure working with sunil who seemed to have all the answers to our health & financial insurance questions. Sunil always goes beyond & above to find the right product for my family, he is professional & knowledgeable in his career. *Outstanding Service* I would highly recommend Sunil to my friends & family members. Thank you Sunil." - Georges "Warren Buffet maintains 'Risk comes from not knowing what you are doing'. In these busy times common investor is very ignorant and finds it challenging to keep pace with the performances of all contemporary corporates and mushrooming startups. Hence the quest for honest and sincere experts to identify opportunities to park hard earned savings in a fruitful way. Enter Sunil Heda!! Sunil's relentless efforts impressed me. His sincerity and integrity is unquestionable. His expertise is established by his in-depth knowledge backed by his rich experience. Historically, he has showcased his mettle and produced results for me. Following Buffets tenet, I invested in something I know - meaning, I've invested in Sunil's expertise and again following Warren Buffets prophecy, forgotten about my investment for long run with an unwavering belief that I shall come out triumphant. Thank you for your help Sunil." - Yatendra "Sunil is well experienced with investment and insurance field in Canada & US. He has earnest urge to do well for all his customers in terms of optimal returns on investments & required insurance to protect families.; "He was patient, sincere & honest while detailing various investments options, risks associated and the ways to mitigate risks to possible minimum. I am happy with the investment options he chose for us & it’s consistent returns." Thanks a lot Sunil." - Vinayak "Sunil Heda is thorough, knowledgeable and trustworthy. We appreciate his depth of knowledge, skill and no pressure style. We would recommend him highly." - Beverly "Sunil is thorough professional and explained to us well with various insurance options. He had been very patient with our queries and helped us to navigate through various choices and in the end we felt that we made a good choice. I recommend him as a trusted insurance advisor." - Ram "I would like to say that I have been very happy with the service I have received and the professionalism that I have encountered when dealing with Sunil Heda over the years. Sunil has made a real difference in our lives by providing advice to better understand our needs in retirement. We now have a great management plan to have a secure financial future in retirement. Thank you, Sunil. I couldn't have had a better financial advisor. You have always been happy, thoughtful and a great mentor." - Raj "I met Sunil at community event and our conversation steered towards financial solutions. His erudite knowledge on a multitude of financial services attracted us to go for an initial discussion with him. We had a financial advisor, but we found Sunil understood our short-term goals and long-term objectives with a much greater clarity along with a strong willingness to help us achieve all of them. In all subsequent discussions and transactions, Sunil always guided us as his family member, and we were always a top priority for him. We slowly and steadily moved our investment portfolio of RRSPs, TFSAs, RESPs, Insurance and Non registered investments to Sunil. The slow and steady approach was determined as we got to see how well he was managing our investments and how impressively the portfolio was managed to optimize maximum returns even in adverse times, all with a very low fee. All guidance and advise received from Sunil, his management of our investment portfolio, his client- first attitude and an undying will to help his clients achieve their financial objectives is noteworthy. We, after a 3+ years’ experience on transacting and working with Sunil would strongly recommend him to our friends and families.Thanks for the awesome journey Sunil ‘Bhaiya’ and we hope to go miles ahead with this relationship.Please accept our sincere thanks (Bhaiya is a Hindi word for Brother, to signify our immense respect for him)." - Rahul "Sunil has recently completed my Retirement Financial Plan. During all the personalized workshops he conducted with me and my wife, he was diligent, through, and professional in his approach. The final deliverable was a document validated and signed by a Certified Financial Planner, with multiple alternatives, projected life events and detailed year by year cash flows. I will be using the recommended alternative to work out my retired life. It gives me the confidence that I will be able to survive at my current lifestyle, in this age of uncertainties, high taxes, ever-increasing inflation and ever-decreasing government benefits to retired people. I would recommend any prospective retiree, who has not already done so to get in touch with Sunil and work out their retirement." - Jyoti "My wife and I have known Sunil for the last 10 years and have been impressed with his patience, professionalism and knowledge. As our circumstances change, he has advised us on how to tweak our planning to make the best. Now both our daughters have started their retirement planning with Sunil and we feel confident that his advice will serve all of us well. We highly recommend Sunil for anyone who is looking for a good financial advisor." - Manjunath "I came to know Sunil through my association with Konkani association. The first thing that came across through that meeting was being sincere and presenting an approach to investments to suit your needs. Over the later period though many dealing with Sunil and that initial impression of being down to earth sincere approach to meeting client’s needs has crystallized. Another thing I like about Sunil is he is ready to engage in discussions for mutual benefit. Sunil comes across as someone who does his homework in depth for client’s investment needs." - Madhav Load More Insightful Videos Play Video Play Video 02:40 Financial resolution: outliving one’s savings Clément Gignac, Senior Vice-President and Chief Economist, discusses longevity risk. Play Video Play Video 02:42 Conditions hypothécaires diversifiées Play Video Play Video 02:30 The Rule of 72 Learn how to use the Rule of 72 to determine how long it will take your money to double in any interest-bearing account. Knowledge is power! Play Video Play Video 02:55 Need to Invest Early Procrastinating is one of the most damaging things you can do when it comes to your retirement savings. But there is still time, and the best time to start planting that seed is today! Play Video Play Video 02:49 See how Life Insurance helped Henry and Stacey Wondering why to purchase life insurance? Find out how life insurance helped Henry and Stacey. https://www.bmo.com/insurance/life-insurance# For more information about BMO Insurance or our products, please consult your insurance advisor or contact us at 1-877-742-5244. Play Video Play Video 01:12 Retirement Planning with GIF 100/100 Play Video Play Video 02:13 Financial resolution: the value of an advisor Clément Gignac, Senior Vice-President and Chief Economist, shares with you the importance of working with an advisor. Play Video Play Video 02:27 What is diversification? Learn, in easy-to-understand terms, what diversification is and why it is important in your investment strategy.

Heda Investments offers Proactive, Professional, Wealth Management Services. This includes Portfolio Management Services, Insurance Management and Retirement Planning Services. Begin your Wealth conversation now! Your Vision and Goals. Our Personalized, Professional Wealth Management Services . Welcome to Heda Investments Explore comprehensive financial solutions — Portfolio Management , Insurance Planning , Retirement Planning , and Banking Services — tailored for you and your family. Learn more about Services Services Insights Who are you? About Us Meet Sunil Heda CPA (US), CIM® Portfolio Manager & Investment Advisor, Manulife Wealth Inc. Life Insurance Advisor, Manulife Wealth Insurance Services Inc. A seasoned finance professional with over 25 years' experience in global institutions, including CIBC and presently at Manulife Wealth. Sunil holds the Certified Public Accountant - CPA (US) and Chartered Investment Management - CIM® designations and manages his Investment and Wealth Management practice in Ontario and British Columbia. Sunil is also licensed Life Insurance Advisor in Ontario and British Columbia. Comprehensive Skill Set: Professional training and proficiency in Portfolio Management and Insurance Management, having received training in he Canadian Securities and Insurance industry ;also prior experience in Accounting, Finance, Information Technology and Risk management. Proactive & Personalized Service: Committed to a proactive, professional approach, providing comprehensive Investment and Wealth Management services to Business Owners, Professionals, and Individuals. Our Team Contact Us Testimonials What We Do ? INVESTMENT MANAGEMENT RISK & INSURANCE MANAGEMENT BANKING SERVICES RETIREMENT PLANNING, TAX AND ESTATE PLANNING Our Brochure Testimonials " Sunil has done a great job managing my portfolio. We were new to Canada and he helpd us navigate the multiple investment options here. He is responsive with timely communications and brings forward solutions with long-term thinking. " Saurabh All Testimonials Our Niche We enable access to all Investment avenues on the market and are not bound by proprietary products We offer comprehensive Wealth Management services through entire journey - through accumulation, growing, protecting and transferring wealth working closely with accountants and tax lawyers for tax, retirement and estate planning We offer Discretionary Portfolio Management Services , providing you with a range of inherent benefits. $1.3 Trillion Manulife has over $1.3 trillion (US$1.0 trillion) in assets under management and administration as of Dec 31, 2022 #1 Manulife is not only Canada’s largest insurance company in terms of total assets, it also ranks among the world’s top 10 in the category Since 1887 Manulife serves one in four Canadians as of Dec 31, 2022 Events Upcoming Events Webinar - Your retirement income sources - Tuesday, April 21, 2026 Tue, Apr 21 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Monday, April 20, 2026 Mon, Apr 20 Webinar More info Learn more Webinar - Estate planning basics—getting a head start on the future, Saturday, April 18, 2026 Sat, Apr 18 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Friday, April 17, 2026 Fri, Apr 17 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Wednesday, April 15, 2026 Wed, Apr 15 Webinar More info Learn more Webinar - Building your emergency fund - Friday, April 10, 2026 Fri, Apr 10 Webinar More info Learn more Webinar - Your retirement income sources - Monday, April 6, 2026 Mon, Apr 06 Webinar More info Learn more Webinar - Getting started with investing - Thursday, April 2, 2026 Thu, Apr 02 Webinar More info Learn more Webinar - Four common investing mistakes and how to avoid them - Tuesday, March 31, 2026 Tue, Mar 31 Webinar More info Learn more Webinar - Taxes and your retirement income - Friday, March 27, 2026 Fri, Mar 27 Webinar More info Learn more Webinar - Taxes and your retirement income - Friday, March 27, 2026 Fri, Mar 27 Webinar More info Learn more Webinar - Internet scams—protect yourself and your money - Thursday, March 26, 2026 Thu, Mar 26 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Monday, March 23, 2026 Mon, Mar 23 Webinar More info Learn more Webinar - Countdown to retirement - Wednesday, March 11, 2026 Wed, Mar 11 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Tuesday, March 10, 2026 Tue, Mar 10 Webinar More info Learn more Webinar - Internet scams—protect yourself and your money - Monday, March 9, 2026 Mon, Mar 09 Webinar More info Learn more Webinar - Countdown to retirement - Saturday, March 7, 2026 Sat, Mar 07 Webinar More info Learn more Webinar - Tax planning strategies for your savings - Friday, March 6, 2026 Fri, Mar 06 Webinar More info Learn more Load More Sunil's Blogs Webinar - Taking the stress out of money - Saturday, May 23, 2026 As inflation and interest rates rise, our third annual stress, finances, and well-being survey found that many Canadian workers are under financial stress. Join this webinar to learn about strategies you can use to help deal with financial stress in your life, including tips and tools that can help with budgeting, debt, and savings. Consider Various Ways of Investing in Bonds Bonds can be complex, many investors may benefit by understanding the investing options available and how to access them. Understanding Gold Prices While many factors influence the price of gold, PIMCO believes there is one that can explain the majority of changes in gold prices over the recent history: changes in real yields. More Blog Sunil Heda, CPA (US), CIM® Portfolio Manager & Investment Advisor, Book a no obligation consultation with an experienced Investment Portfolio Manager Book Meeting Get Life Insurance, Critical Illness, Disability Insurance Quote Insurance Quote Buy Travel Insurance Purchase Travel Insurance (including for Supervisa) for Visitor or Travelling Canadians Book a no obligation call- back with an experienced Investment Portfolio Manager Book a Call Back