How we help

At Gulf & Fraser, we offer all the solutions you need to reach your goals – backed by expert guidance tailored to you.

Take charge of your finances with a Smart Money Plan™

You have important goals, but do you have a plan to achieve them? Our experienced wealth team can help you create a comprehensive financial plan that covers all aspects of your life.

Investment

Education

Insurance

Retirement

Estate

Investment planning & advice

Building a powerful portfolio of investments to achieve your goals.

What is investment planning?

Investment planning is like creating a roadmap for your money. It's about figuring out:

Risk tolerance – how much risk you're comfortable with taking on
Capital growth strategies – what you want to do with your money to help it grow
Strategic asset allocation – how much of your money to put into each type of investment you choose

Essentially, whether you’re saving for a big goal or securing your financial independence, investment planning is like your roadmap to get there.

What types of investments can Gulf & Fraser help with?

We can help you explore a wealth of investment options based on your personal plan:

Stocks & bonds
Mutual funds*
Exchange-traded funds (ETFs)
Segregated funds
Annuities
Registered plans – TFSA, RRSP, RRIF, RESP, RDSP, FHSA

Education planning

Helping you chase your dreams without straining your finances.

What is education planning?

Education planning is all about preparing for the expenses of going to school (whether for you or a loved one). Tuition, course materials, living costs can all add up. This planning process helps ensure paying for them doesn’t create financial stress or leave you with significant debt.

What can Gulf & Fraser help with?

Our experienced advisors can help you explore a range of ways to set aside savings for school. This includes:

Registered Education Savings Plans (RESPs), which offer valuable tax benefits and government grants to boost your savings.
Tax Free Savings Accounts (TFSAs), which help you invest tax-free to grow your education fund.

Education planning can also help you understand your financial aid options, eligibility for provincial grants and more. So you and your loved ones can maximize all the support and education incentives out there.

Insurance planning

Protecting you and your finances from the unexpected.

What is insurance planning?

Insurance planning is like a safety net for life's unexpected moments. It's about making sure you and your loved ones are financially protected if things don't go as planned. Whether health, illness, or life insurance, this type of planning helps ensure your finances stay on track, even when life throws you curveballs.

What can Gulf & Fraser help with?

Our advisors have experience with all types of situations. They can help you spot any gaps in your coverage and find the right insurance options to address them:

Life
Disability
Critical illness
Long-term care
Health & dental

Retirement planning

Making sure you’re ready to retire your way.

What is retirement planning?

You can think of retirement planning as mapping out your journey to future fun and relaxation. It helps ensure you have the money you need to retire comfortably and do all the things you dreamed about.

What can Gulf & Fraser help with?

Planning for retirement can be tricky, especially if it’s still decades away. Our advisors can help you think about all the different aspects of retiring – be it how much to save and where, when to retire or even what you want your retirement to look like.

They’ll also put their expertise to work helping you:

Figure out the best, tax-efficient asset allocation to grow your savings at every life stage
Understand government benefits, like the Canada Pension Plan (CPP), Old Age Security (OAS) and Guaranteed Income Supplement (GIS)
Explore your sources of retirement income and how to structure them in the most tax-efficient way
Estimate your retirement expenses and secure your income to cover them

So you can rest assured you’re working towards comfort and security in your golden years.

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Estate planning

Ensuring your legacy is protected if you pass.

What is estate planning?

Estate planning is about shaping the legacy you leave behind when you pass. Your estate plan is basically a comprehensive guide that ensures your wishes for your loved ones and financial matters are carried out the way you want.

What can Gulf & Fraser help with?

Our advisors can help you consider important aspects of the estate planning process, including:

Charitable giving
Minimizing tax on your estate

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Empowering your investing with the right tools

Whether you want to invest for yourself or take advantage of professional support, we offer a range of tools and services to help.

Qtrade Direct Investing™

An award-winning trading platform with all the industry-leading tools you need to build your own portfolio.

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Qtrade Guided Portfolios®

A simple digital investing service that provides you with a professionally managed, low-cost portfolio.

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FAQ

What is strategic asset allocation?

The term “strategic asset allocation” may sound intimidating but when you break it down it’s quite simple. It basically means deciding which investment products to use and how much of your money to put in them to achieve your goals.

If you’re interested in learning more about strategic asset allocation or struggling with other terminology, book an appointment. Investing doesn’t have to be difficult, confusing, or intimidating. Our advisors can break it all down for you.

What does the term “capital growth strategies” mean?

“Capital growth strategies” is a term you may hear a lot when investing. It can sound quite intimidating, the way a lot of investing terminology does (see “strategic asset allocation” above). But, essentially, “capital growth strategies” are just another approach to investing – a way to make your money grow over time. It typically focuses on investing for the long-term, as well as higher return (but also higher risk) investment options.

If you’re interested in learning more, book an appointment with one of our advisors. They’ll be happy to help you figure out whether this style of investing is right for you.

How do I become financially independent?

This is a great (but complex) question. Every person’s situation is different, and their idea of financial independence varies too. Some of us see financial independence as being able to retire early. Others see it as financial security – not having to worry about money or paying bills.

As a result, how to become financially independent is really a very personal thing. But that doesn’t mean you have to figure it out alone. Our advisors can help you determine what financial independence means to you and, from there, how to become financially independent in your own way.

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Get advice on the go

Life gets busy, but don't let that stop you achieving your goals. Whether you’ve got $50 or $50,000, we want to help power your possible – and we'll come to you to do it.

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