Investment Holdings
Wealth Management Services
Wealth Management
We at Estate Nest offer professional service with a blend of safeguarding your life and your financial assets to help you and your family achieve your retirement goals with strategic planning around your unique financial needs.
Our aim is to strategize financial plans during buildup years to ensure your investment holdings have the anticipated longevity and endurance to outlast your retirement years and transfer your estate to your loved ones.
Segregated Funds
A valuable and niche estate planning tool presented by Canadian insurance companies that safeguard monetary investment assets with the insurance guarantee.
Canada Pension Plan (CPP) or Quebec Pension Plan (QPP)
Canada’s contribution-dependent retirement income system that forms the backbone of Canadians’ social insurance plan set up by the federal government.CPP gets subsidized by contributions from workforces, companies, entrepreneurs, freelancers, and revenue generated on CPP investments. The Province of Quebec has its own plan – QPP.
Canadians above 18 years of age are mandated to contribute a fraction of their wage to the federal government-managed pension plan.
Old Age Security (OAS)
Taxable compensation to Canadians 65 years or older with salary less than $129,757.The basic amount is $733.51 per month above the age of 75 and $666.83 between the age of 66 and 74 as of 2021-2022. Amounts are indexed to the Canadian Consumer Price Index and adjusted quarterly.
No revenue splitting and no survivor reimbursements. OAS Claw-back occurs over $79,845 income (as of 2021) and an individual must refund a part of their OAS at 15% of net income.Must meet the entitlement rules to qualify for
Financial Plans Tailored for You
Registered Retirement Savings Plan (RRSP)
A tax-deferred savings program to help Canadians save for retirement. Contributions are tax-deductible and can be carried forward. The annual limit is 18% of income, up to $29,210 (2022).
Contributions can be used for spousal income splitting, first-time home purchases, or lifelong learning.
Registered Education Savings Plan (RESP)
A tax-sheltered financial tool to save for your child’s education. Contributions qualify for government grants, such as CESG (up to $500/year) and CLB for low-income families.
Funds can be invested in mutual funds, stocks, or GICs. Administrative fees and penalties apply for missed contributions.
Locked-In Retirement Account (LIRA)
Designed for employees leaving a company’s pension plan. Contributions cannot be added or withdrawn and must be converted to a Life Income Fund (LIF) at retirement (ages 55–71).
Funds are regulated by provincial laws and are not eligible for homebuyer or learning plans.
Segregated Funds
A type of investment fund offering unique features like probate bypass and creditor protection.
- Bypass Probate
- Creditor and liability protection
- Secures principal investment against market volatility
- Reset option allowing the holder to lock in market gains
