Wealth Management and Retirement Planning

The insurance and RRSP experts at Lawrence Joseph Associates Ltd. are dedicated to protecting your assets and providing peace of mind for you and your family. Let us take away the guesswork, as we review your insurance and retirement needs, while addressing any gaps within your plan.

Contact Lawrence Joseph Associates Ltd. to review your insurance and retirement strategies.

Wealth Management and Charitable Giving

Are you considering a bequest or a current gift to your favorite Charity? Lawrence Joseph Associates Ltd can help you make this gift, in many cases, at a small fraction of the cost that a ‘standard’ gift would cost on a net basis. Why not discuss the possibilities with Larry Joseph at Lawrence Joseph Associates Ltd.

Wealth Management and Mortgage

Learn about our creative approach to home mortgaging. Your mortgage can be set up as a bank account which will be used in the same way you use the account you have now. HOWEVER, on a daily basis, any balance you have in this account reduces the mortgage balance and you therefore don’t pay mortgage interest on this amount. Please contact us for more details

Life Insurance for Mortgage/Line of Credit

There are numerous reasons why you should consider individual insurance instead of the life insurance offered by your bank to cover your mortgage or line of credit. In addition, in most cases, individual insurance is less expensive. We will be happy to provide you with cost comparisons as well as showing you why, aside from price, it is to your advantage to have this coverage on an individual basis.

Retirement Planning

  • Group RRSPs
  • Individual RRSPs
  • At Lawrence Joseph Associates Ltd, our goal is to protect your assets through a prudent investment strategy. With expertise in both Individual RRSPs and Group RRSPs, our RRSP investment options include GICs, Annuities, Segregated Funds and Individual Pension Plans. We will be pleased to discuss with you our creative strategies for eliminating the tax payable on any RRSP/RRIF funds remaining at death.

    For your non Registered funds, ask us how INSURED ANNUITIES can substantially improve your net cash income while guaranteeing the return of all capital to your heirs, tax free, and safe from any creditors that may lay claim to these assets. Contact us today to discuss how we can help you make your retirement goals a reality.

    Estate Planning

    Lawrence Joseph Associates Ltd. has second to none expertise in creative solutions to capital gains tax problems that arise at death. We work in tandem with Montreal’s top tax lawyers and accountants to provide you with the most cutting edge, creative solutions to these problems. Are you concerned that you are too old, or that you cannot qualify medically for insurance? We specialize in difficult risks of this nature. Time and time again we have been able to obtain coverage at reasonable cost for clients who have not been able to obtain this insurance elsewhere. Inquiries are without charge- so do not hesitate to ask if we can help you in YOUR situation.