Our financial needs and priorities are always changing throughout your life. Whether you’re looking for insurance protection, wealth creation, or estate preservation, it’s important to understand all the options available to you.
At Scott Mallender Insurance, we have over 32 years experience designing and implementing plans for your protection and wealth management needs. Our customized plans include Private Investment / Segrated Pools and Combined Life Insurance / Tax-free Investing. Whether your goal is to protect the legacy you’re building for your loved ones, or to build additional wealth over time, we can help you.
Segregated Pools – Time Tested and Trusted Well Diversified Portfolios
Manulife Private Investment Pools and MPIP Segregated Pools are guided by portfolio managers who believe in disciplined, time-testing investment processes and independent thinking. Manulife is ranked in the top 15% of the world’s 500 largest asset managers. With this type of program, Scott helps his clients develop a portfolio strategy that reflects their goals for income, growth, and capital preservation.
Key Features of MPIP Segregated Pools
- Comprehensive suite of segregated pools in a range of asset classes
- Death Benefit and Maturity Guarantees
- Potential creditor protection
- Ability to bypass the estate
- Quality portfolio managers
- Competitive fees
- Tiered Management Fee Reimbursements
- Household contract-linking to qualify for further Management Fee Reimbursements
- Pre-Authorized Chequing (PAC), Scheduled Withdrawal Payments (SWPs)
- Client proposal service
- Comprehensive client reporting
- Marketing support
A Few Benefits of Our Combined Insurance/Investment Strategies
- No additional Management Expense Ratios (MREs) from any funds chosen
- What selected funds make, you make
- Build tax deferred equity an accessible cash value over time
- Your UL is listed as an “ASSET” on the Corporate Balance sheet
- This asset is eligible for collateral at Manulife Bank
- Bi-annual statements on the performance of your chosen funds
- Scott’s long-term portfolio can be tailored to your risk tolerance
We provide you with a variety of comprehensive investment solutions that can help you enjoy today while preparing for tomorrow. From long-term growth, capital preservation, to a sustainable income stream in retirement, our investment solutions allow you to create an investment portfolio that is as unique as you are.
Universal Life – UL is an extremely valuable and creative tool in your tax and estate planning. It is ideal for protecting, transferring, preserving and creating wealth – all under a strategized and maintained tax free shelter. At Scott Mallender Insurance we can design a plan that fits your individual and business needs. More >>
Gifting – At Scott Mallender Insurance, we develop wealth transfer strategies that allow you to use life insurance to transfer wealth to your children, grandchildren, or loved ones in a tax effective way – all while maintaining control of this wealth vehicle until you decide it is time to transfer. Our strategy allows you to provide monetary gifts, not just at death, but throughout life, serving as a non-registered, yet fully tax sheltered, investment. More >>
Individual Pension Plan (IPP) – An Individual Pension Plan (IPP) is a defined benefit pension plan. If you are a business owner, an IPP offers both maximum tax relief and a maximum retirement pension. This means you won’t have to rely solely on your Registered Retirement Savings Plan’s (RRSP’s) performance to provide a happy retirement. That’s because IPPs also offer guaranteed lifetime income and any surplus in the plan belongs to you. More >>
Annuities – Annuities provide a vital income stream that will continue as long as you need it. At Scott Mallender Insurance we can show you several annuity options that can offer you guaranteed income and substantial tax advantages. Depending on your priorities and and situation, we will customize an Annuity that works best for you. We are highly experienced at merging various types of annuities with life insurance to give you significantly higher returns on your investment while minimizing taxes. This can be done at no risk while building your estate. More >>
TFSA – A Tax-Free Savings Account (TFSA) is a registered general-purpose savings vehicle allowing you to earn tax-free investment income. The TFSA is a great investment vehicle that can be used to meet your short and long-term goals. It complements existing registered plans such as a Registered Pension Plan (RPP) or a Registered Retirement Savings Plan (RRSP).
RRSP – RRSP’s are very popular as they have the ability to reduce taxes and provide income upon retirement. Our advanced technical expertise and planning strategies will help address your unique RRSP and RRIF requirements. Summary of Maximum Contributions and Benefits.
RESP – A Registered Education Savings Plan (RESP) is a flexible and convenient way to save for a child’s future post-secondary education. Investment income generated in an RESP is tax-sheltered as long as it remains in the plan. When withdrawn, plan growth and government grants can be taxed at the student’s tax rate – that means he or she could pay little or no tax on this money.