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Services & Solutions

Providing independent, unbiased financial advice and solutions

Roy and Associates helps individuals and businesses plan for the future by identifying and implementing wealth accumulation strategies.

Whether you are looking to save for a down-payment on your dream home, pay for your child’s education, or reward yourself with a retirement of travel, it is never too early to start thinking about your financial goals.

Plan Your Wealth, Enjoy Your Life. We will help you do that.

Contact us today



INVESTMENTS

Plan for the future...

INVESTMENT SOLUTIONS

We assist you in identifying the goals that are important to you in your life. We will implement the most effective strategies and solutions to meet your goals using a variety of products from a wide range of companies. Whether you are just starting out, saving for an education, or planning for your future, we have something for you.

  • Registered Education Savings Plan (RESP)
  • Tax-Free Savings Account (TFSA)
  • Registered Retirement Plans (RRSP, Spousal RRSP)
  • Locked-In Retirement Account (LIRA)


INSURANCE

Protect what matters most...

INSURANCE SOLUTIONS

Life happens and unplanned circumstances can occur. We understand families wanting to protect their loved ones. Insurance is an investment in yourself and your family. Insurance relieves the stress of monetary burdens whether in disability, illness, or death.

  • Life and Critical Illness
  • Disability
  • Personal Health and Dental Insurance
  • Travel


RETIREMENT PLANNING

You only get one retirement, make it great...

RETIREMENT PLANNING SOLUTIONS

Deciding to retire is a major decision. It involves the big questions like, “Can I retire? How much will I need to live on and how long will it last?Will I still have to work to meet my income needs?” We will recommend your specific strategy and solution so you can feel confident in retiring whether it be for travel, family, or a attaining a new goal. Plans and budgets may change. We will be there for those changes.

  • Registered Income Funds (RRIF, LIF, RLIF)
  • Annuities
  • Non-registered Systematic Withdrawal Plans (SWP)


ESTATE PLANNING

An estate plan is organizing your financial affairs...

ESTATE PLANNING

Estate planning is an essential element of financial planning. At Roy & Associates, we will assist you in making decisions that serve your interests now, your interests in the future, and your legacy. Estate planning goals can be reached many ways through wills, powers of attorney, beneficiary designations, trusts, charitable gifting, and tax planning to name a few. We will help you reach your estate planning goals based on your individual situation and we will recommend a strategic approach.

Try our Estate Planning Tools


BUSINESS SERVICES

Stay competitive and keep your members engaged...

BUSINESS SERVICES

Roy & Associates advises on corporate protection and savings plans for both your business and the people working in it. We assist with employee retention benefits and insurance for unexpected challenges. After all, happy and secure employees will help business owners achieve their goals.

  • Group Benefits
  • Group Retirement
  • Business Insurance