Investments

Driven By Innovative Thinking

At Tate Financial we employ a variety of investment strategies.  The philosophy behind the selection of actual investments is determined by the client’s own goals and objectives, which also help to define the asset allocation and the risk of the portfolio.

Most clients choose a value based investment philosophy.  This philosophy allows our clients to buy companies that are trading below their intrinsic value and earn income in the form of dividends, which can be reinvested back into the portfolio.  The reinvested dividends provide positive cash flow into the portfolio in all market cycles, and in best case scenarios can exponentially grow the value of our clients assets.

Building wealth takes time, through a disciplined value based approach and the process of balancing rewards with risk, we provide our clients with the opportunity to buy fundamentally sound businesses at a fraction of what we believe is their true worth.

Mutual Funds are distributed by mutual fund dealer Investia Financial Services Inc.



Products and Services

We work with top Investing companies to make sure you invest in the right products.


Wealth accumulation & tax minimization strategies

Our Products to Help Your Investment Portfolio


Investment Products

Mutual Funds

With Tate Financial’s access to the top fund companies, we can provide you with the most diverse portfolio and products to fit your plan and suit your needs.

Segregated Funds

Segregated (Seg) funds are much like mutual funds in that they are an investment fund that offers growth potential – but unlike mutual funds, Seg funds have the attributes of an insurance product. To read more about the benefits that Seg Funds can offer, click here.

GIC's

GICs are secure investments that guarantee to preserve your principal. Your investment earns interest, at either a fixed or a variable rate, or based on a pre-determined formula. GICs often form the foundation of a well-balanced portfolio.

Annuities

Annuities provide income for life, similar to a RRIF. There are many components to each that your advisor can explain to you and help you choose which option will fit best into your plans.


Investment Vehicles

RRSP

Putting something away is something we can help you do, and making RRSP contributions is a smart way to do it. Just ask how the beauty of compound interest, tax reduction and tax deferrals will work for you to build real wealth. Life’s a long-term proposition. Let us show you how to make it pay. At Tate Financial, we can design a Retirement Living Plan tailored to you. So, whatever your goals and lifestyle dreams, we can work with you to help you do all the things you had hoped for in retirement.

RRIF

By the end of the year in which you turn 71, you will have to decide what to do with your RRSP. A straight withdrawal will rarely be the best option. So how to decide between RRIFs and annuities? Your Tate Financial advisor can help you decide what options fits best into your plans.

RESP

Give your children or grandchildren a gift that will pay dividends for the rest of their life: a custom education savings plan that, started now, can protect them later from double-digit annual increases in tuition costs. Post-secondary education is more crucial than ever – but it’s getting harder to pay for it. The only good news? The younger your children are, the more they can benefit if you start now. Click here to see how an RESP works in comparison to other savings tools.

RDSP

A Registered Disability Savings Plan is a savings plan that was introduced in 2007 and is intended to help parents and others save for the long-term financial security of a person who is eligible for the Disability Tax Credit. Caring for someone with a severe or prolonged disability can be emotionally and financially challenging; a RDSP can help by providing long-term financial security for a person with disabilities. The RDSP combines individual or family contributions with government grants and bonds and, by investing wisely, the RDSP can grow into a significant asset.


TFSA

The TFSA is a flexible, registered, general-purpose savings vehicle that allows Canadians to earn tax-free investment income to more easily meet lifetime savings needs. The TFSA complements existing registered savings plans like the Registered Retirement Savings Plans (RRSP) and the Registered Education Savings Plans (RESP).

Non-Registered / Open

Non-registered accounts (also known as Open Accounts) are flexible accounts that allow you to save for both the short and long term. Non-registered accounts only tax 50% of the capital gains realized inside of the account at the account holder’s marginal tax rate. And unlike RRSPs, non-registered accounts have no contribution limits.

Individual Pension Plan

An Individual Pension Plan (IPP) is a Canadian retirement savings vehicle. It is a defined benefit pension plan that allows the plan member to accrue retirement income on a tax sheltered basis.