Welcome to Wealth Fusion, your trusted partner in achieving financial freedom and growing your wealth. At Wealth Fusion, we offer a wide range of investment services designed to help you secure your financial future while maximizing your returns. Whether you’re planning for retirement, your child’s education, or looking to grow your portfolio, we have the right investment solutions for you.
Why Invest with Wealth Fusion?
At Wealth Fusion, we believe in empowering our clients with the right financial tools and strategies. Our expert advisors provide personalized investment plans that align with your financial goals, risk tolerance, and time horizon.
Our Key Services Include:
- Registered Retirement Savings Plan (RRSP)
- Registered Education Savings Plan (RESP)
- Tax-Free Savings Account (TFSA)
- First Home Savings Account (FHSA)
- Segregated Funds (Seg Funds)
- Financial Planning
- Estate Protection & Asset Management
- Indefinite banking
Our Investment Services
1. Registered Retirement Savings Plan (RRSP)
The RRSP is a government-registered account designed to help you save for retirement. Contributions to an RRSP are tax-deductible, allowing your savings to grow tax-free until retirement.
| Feature | Details |
|---|---|
| Eligibility | Canadian residents under age 71 |
| Contribution Limit | 18% of previous year’s income (up to a maximum of $30,780 for 2024) |
| Tax Benefits | Contributions are tax-deductible |
| Withdrawal Options | Taxable withdrawals; can be converted into RRIF (Registered Retirement Income Fund) |
Why Choose RRSP with Wealth Fusion?
- Personalized Planning: We offer custom retirement strategies tailored to your income and goals.
- Tax-Optimized Growth: Maximize your tax savings while building your retirement nest egg.
2. Tax-Free Savings Account (TFSA)
A TFSA is a flexible, tax-advantaged savings account that allows your investments to grow tax-free, without any tax implications when you withdraw.
| Feature | Details |
|---|---|
| Eligibility | Canadian residents aged 18 and above |
| Annual Contribution Limit | $6,500 for 2024 |
| Tax Benefits | No tax on withdrawals or investment gains |
| Contribution Carry-Forward | Unused contribution room can be carried forward |
Why Choose TFSA with Wealth Fusion?
- Tax-Free Growth: Your investment income, including interest, dividends, and capital gains, grows tax-free.
- Flexibility: Withdraw funds anytime without penalties for short-term or long-term needs.
3. Registered Education Savings Plan (RESP)
The RESP is a savings account designed to help parents save for their children’s post-secondary education. Contributions to an RESP grow tax-deferred, and the government offers matching grants to boost your savings.
| Feature | Details |
|---|---|
| Eligibility | Canadian residents |
| Government Grants | Canada Education Savings Grant (CESG) – 20% on the first $2,500 contribution per year |
| Lifetime Contribution Limit | $50,000 per beneficiary |
| Tax Benefits | Investment income grows tax-deferred until withdrawn |
Why Choose RESP with Wealth Fusion?
- Maximize Grants: We help you leverage all available government grants to maximize your child’s education savings.
- Expert Guidance: Our advisors ensure your RESP is aligned with your education goals.
4. First Home Savings Account (FHSA)
The FHSA is a new savings vehicle that allows first-time homebuyers to save for their home tax-free, combining the features of both a TFSA and an RRSP.
| Feature | Details |
|---|---|
| Eligibility | Canadian residents aged 18-40, first-time homebuyers |
| Contribution Limit | $8,000 annually (lifetime limit of $40,000) |
| Tax Benefits | Contributions are tax-deductible, and withdrawals for home purchase are tax-free |
| Carry-Forward Room | Unused contribution room carries forward up to $8,000/year |
Why Choose FHSA with Wealth Fusion?
- Tax Deductibility: Reduce your taxable income while saving for your dream home.
- Complete Flexibility: Use your savings tax-free for purchasing a home, and carry forward any unused contribution room.
5. Segregated Funds (Seg Funds)
Segregated Funds (Seg Funds) are an excellent investment option that offers the growth potential of mutual funds with the added security of insurance. Seg funds are backed by life insurance companies and provide guarantees on your initial investment, ensuring a portion of your capital is protected.
| Feature | Details |
|---|---|
| Guarantees | 75% to 100% of your principal investment guaranteed upon maturity or death |
| Creditor Protection | Potential protection from creditors (if properly structured) |
| Tax-Efficient | Tax-deferred growth; estate planning benefits |
| Investment Options | Access to a wide range of investment funds, including balanced, equity, and income funds |
Why Choose Seg Funds with Wealth Fusion?
- Capital Protection: Enjoy the growth potential of mutual funds with built-in capital guarantees.
- Creditor Protection: Seg funds may provide creditor protection, making them ideal for business owners.
- Estate Benefits: Seg funds bypass probate, ensuring a faster and more efficient transfer of wealth to your beneficiaries.
6. Financial Planning
At Wealth Fusion, we take a holistic approach to financial planning, ensuring that every aspect of your finances, from investments to taxes, works together to achieve your financial goals.
| Feature | Details |
|---|---|
| Customized Plans | Tailored strategies based on your financial objectives |
| Comprehensive Approach | Retirement, tax, estate, and investment planning |
| Ongoing Support | Regular reviews to adjust your plan as your circumstances change |
Why Choose Financial Planning with Wealth Fusion?
- Personalized Strategy: We build a financial plan that’s unique to you, helping you stay on track for all your life goals.
- Professional Expertise: Our experienced advisors provide insights and strategies based on current market trends and regulations.
7. Estate Protection & Asset Management
Our Estate Protection and Asset Management services ensure that your wealth is preserved and transferred according to your wishes. We develop strategies to minimize taxes and protect your legacy for future generations.
| Feature | Details |
|---|---|
| Wealth Preservation | Strategies to minimize estate taxes and maximize inheritance |
| Asset Management | Portfolio management to optimize returns and protect against market volatility |
| Succession Planning | Structured estate plans ensuring a smooth transfer of assets |
Why Choose Wealth Fusion for Estate Protection?
- Legacy Planning: We help you protect your wealth and ensure it’s passed down in the most tax-efficient manner.
- Asset Growth: Our advisors help you grow and manage your assets, tailored to your risk tolerance.
Indefinite Banking
Indefinite Banking, often referred to as Infinite Banking, is a financial strategy that leverages your assets to create a personal banking system. Individuals can finance their own loans, investments, and expenses while still earning interest on the cash value. This approach provides flexibility, liquidity, and a means to accumulate wealth without relying on traditional banking systems, ultimately enhancing financial independence.
Key Features of Indefinite Banking
| Feature | Description |
|---|---|
| Tax Advantages | The growth of cash value is tax-deferred, and loans against the policy are generally tax-free. |
| Flexible Financing | Borrow against their cash value for various needs, such as investments or emergencies. |
| Interest Earnings | Cash value continues to earn interest, even when borrowed against, allowing for potential growth. |
| Death Benefit | Provides a death benefit to beneficiaries, ensuring financial security for loved ones. |
| Control Over Funds | Offers greater control over personal finances compared to traditional banking methods. |
| No Credit Checks | Loans against the policy do not require credit checks, making access easier. |
Why Choose Wealth Fusion?
At Wealth Fusion, we are committed to helping you achieve financial success with a focus on long-term growth and protection of your assets. Our expert team works closely with you to create personalized investment solutions that fit your specific needs.
Key Benefits:
- Experienced Advisors: Our seasoned financial experts provide personalized guidance.
- Holistic Approach: Comprehensive services including retirement planning, estate planning, and asset management.
- Customer-Centric Service: We prioritize your goals and provide continuous support.
Contact Us
Ready to start your financial journey? Contact us today to schedule a free consultation with one of our expert financial advisors.
