Life & Group Insurance.
Group life insurance is a type of life insurance in which a single contract covers an entire group of people. Coverage provides a benefit to the beneficiaries if a covered individual dies during the covered period. Peace of mind for the dependents and loved ones of an employee in the event of his/her death is the driving force behind group life insurance benefits.

 Registered Retirement Saving Plans (RRSP) and Tax Free Savings Account (TFSA)
A Registered Retirement Savings Plan (RRSP) is a type of Canadian account for holding savings and investment assets. RRSPs have various tax advantages compared to investing outside of tax-preferred accounts.
TFSA is an account that does not charge taxes on any contributions, interest earned, dividends or capital gains, and can be withdrawn tax free. TFSAs were introduced in Canada in 2009 with a limit of $5,000 per year, which is indexed for subsequent years. Term Deposits and Segregated Funds
Segregated funds combine the growth potential of investment funds with insurance protection. They are individual insurance contracts that invest in one or more underlying assets, such as a mutual fund.
A Term Deposit is a secure investment that guarantees to preserve your principal and your investment earns interest at a fixed rate. Term Deposits are a safe way to save money because your initial investment (principal) is protected. Critical Illness and Long-Term Care.
Critical illness insurance is a form of health insurance that provides a lump-sum payment should you become seriously ill.
Help protect one of your most valuable assets – your income – from unexpected events through long–term care, disability and critical illness insurance.
Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition. Registered Education Saving Plan — RESP
A registered education savings plan (RESP) is an investment vehicle specifically designed to help parents save for a child's post-secondary education in Canada.
The principal advantages of RESPs are the access to the Canada Education Savings Grant (CESG) and a source of tax-deferred income.
You can also reach your investment goals faster thanks to substantial government grants that supplement your contributions.
With an RESP, your savings and government grants grow tax-free over the years. The RESP is an easy way to save that really pays off!
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Service Offerings

Retirement and Income Planning

Our Retirement and Income Planning process starts the same way as our Assessment and Planning option. After our intial meeting and discussion with the customer, we will help you determine how much you need, helping you create your retirement paycheque, and work with you to plan for your next 20 or more years in retirement. Your P.Sciortino & Associates Financial Advisor will be with you every step of the way, from exploring all your options and building and implementing the correct plan, to transitioning into retirement, and fine-tuning as you go. Your advisor will:

  • Discuss your ideas for retirement and how much money you'll need
  • Help you create a retirement paycheck using your income streams and assets (Government of Canada benefits, pensions, retirement savings, investments and property)
  • Review banking options and ways to reduce taxes to increase your monthly cash flow
  • Use suitable tax strategies to maximize your returns or take all the tax deductions to which you are entitled.
  • Develop a solid retirement savings strategy to help you live comfortably after you stop working.
  • Determining your Health needs
  • Estate Planning
  • Developping Tax Strategies


Our Partners

Testimonials


Services Overview

  • Life Group Insurance
  • RRSP
  • RESP
  • Leverage Loans
  • Income Disability
  • Term Deposits
  • TFSA
  • Segregated Funds
  • Critical Illness
  • Long–Term Care
  • Taxes

Contact Us

Feel free to contact us and we will make it our priority to listen and carefully assess your situation and recommend the right product for your well being.

Address: 12310 Boulevard St-Jean Baptiste
                : Montreal, Quêbec H1C–1S5
Telephone: 514-881-0602
FAX             : 514-881-2094
E-mail: sciortinopat@yahoo.com

Copyright © 2010—. Financial Services P. Sciortino and Associates Inc. All Rights Reserved.