FISCAL AGENTS: Financial Services Group


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Turn on the RIF TapWhat's the best thing to do when converting RRSP savings into income?
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As an authorized distributor for ING Bank of Canada, Fiscal Agents of Oakville can now offer clients the selection of high interest rate savings accounts they provide.
  View ING Section
  Savings Account
Rates



Special RRSP Section
days left in this year's RRSP Season  


The Money Management Newsletter
With the RRSP March 3rd deadline on the horizon, a little foresight...

If you don't have a plan or are concerned about future market conditions, then the best place for this year's RRSP contribution is into guaranteed investments such as term deposits or GICs until you’re comfortable with a decision.

Beyond the present, investors are still aiming for a comfortable and enjoyable retirement, and whilst recognizing that we all have unique objectives that determine what RSP solutions to employ, perhaps now is a good time to review the original objectives of our portfolio and re-evaluate the decisions that went into its formation.




The Learning Centre
On-Site RRSP Content and Resources
Financial Tools
RRSP-Related Calculators and Worksheets
Finding RRSP-related content on our website is quick and painless. To start, why not check out our RRSP section in the Learning Centre, where you'll find a wealth of information and links to other site content, including newsletter articles, rates and tools.

Alternatively, we have developed our QuickNav link utility for providing an easy-access route to content on particular investment catagories. Try our QuickNav RRSP section if you'd prefer a selection menu of links only.

Our Money Centre section contains the latest available rates for RRSP products. We currently offer rates on RRSP GIC's (1 to 5 year terms), as well as various RRIF options and savings accounts.
Our retirement calculators are just what you're looking for if you could use a glimpse at your present (or hypothetical) pension situation. We offer a range of tools from simple rate comparisons up to thoroughly detailed worksheets.


What should you be saving for retirement? Our popular pension planner, based on the worksheet by Bruce Cohen, co-author of The Pension Puzzle.

RRSP Rate and Return Comparison Calculator Powerful and easy-to-use, adapted from our GIC Comparison to use available RRSP rates.

Retirement Savings & Income Calculator Illustrates the strength of your RRSP up to retirement, and how it would adapt as a RRIF past retirement.


Top Stories
   

Top Rates
The Money Management Newsletter
GICs: A new take on a tried and true investment
Guaranteed Investment Certificates (GICs) have always been a popular choice among those looking for a low risk interest-earning investment vehicle to add to their portfolio. However, long gone are the days when GICs offered investors little more than a safe place to keep their money.

The GICs of today have become more flexible while still providing a reasonable return for very low risk. The earning potential of GICs is higher than in the past and financial institutions have introduced a variety of different maturity and payment schedules in the hope of appealing to a new group of informed investors.

Looking for the best GIC
Deposit Rates? Check out:




The Best of The Best
Canada Wide Survey
Comparison Calculator



The Companion Advisor
Blind sided by a support claim
It happens. Due to changing and volatile family relationships, an estate and its Estate Trustees/Executors can often be blind sided by a claim for support against the estate. Such claims will arise when the person who has died has either died without a Will or has ignored their legal obligations by not including provision in their Will for someone for whom they ought to have provided.



Radar Screen
Announcing the National Life RRSP Loan Program
National Life's new RRSP Loan Program is designed to make it easy for clients of financial advisors maximize their income tax savings and retirement nest egg. Through a program arranged by TD Canada Trust, loans starting at a minimum of $2,500 and going up to maximum allowable contribution limits, including any carry forward amounts, can be provided at very competitive rates and with flexible terms.



Radar Screen
Rates announced for new Canada Savings Bonds
The rates for the new series of New Canada Savings Bonds have just been announced. Whether you contribute to The Canada RSP or to a self-directed plan, New Canada Savings Bonds are perfect for the secure part of your RRSP. You can top up your RRSP with new bonds, or contribute compound interest bonds already held. Canada Premium Bonds (CPB) and Canada Savings Bonds (CSB) are 100% safe and secure, and guaranteed by the Government of Canada.

In consideration of the RRSP contribution deadline date of March 3, 2003, the sale of the March 1 issue of CPB Series 31 and CSB Series 82 is extended to March 3, 2003. To view the rates for CPB Series 31 and CSB Series 82, use the link below.


Features
   


Financial Tools
RRIF Payment Scheduler

Our latest addition to our selection of financial tools is our RRIF Payment Scheduler. In no time at all, you can produce a per-payment record that illustrates the life of your Retirement Income Fund. Simply enter the overall value of the RRIF, the average annual return, your present age, and indicate whether the RRIF was purchased before January 1993.


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Looking for something in particular? Find it using our QuickNav site navigation system.


E-Mail Newsletter - Contest
Our second Money Management Newsletter subscription contest
Subscribers of our free monthly Money Management Newsletter (E-Mail edition) will be automatically entered to win a copy of the highly regarded financial book The Pension Puzzle: Your Complete Guide to Government Benefits, RRSPs, and Employer Plans. Every chapter contains a comprehensive examination of any particular aspect of retirement planning, answering questions such as when can you retire, what happens if you change jobs, can your employer change the plan.

Detailed worksheets to help you apply your own financial situation to the concepts described are found throughout the book, including the What should you be saving for retirement? Financial Worksheet featured above.



About Us - Employment Opportunities
Financial Advisors Wanted
For over 25 years Fiscal Agents has been providing sound and practical advice to Conservative Canadian investors. We are currently seeking like minded professional Ontario based investment advisors, who are committed to offering top draw balanced advice within a uniquely distinctive marketing and advisory environment. Fiscal Agents has on many occasions taken its own path in turbulent markets with a steadfast approach to portfolio creation and a commitment towards our clients and advisors - Enterprise, Prudence and Integrity has been our hallmark.



Knowledge Bank
Special Glossary of Abbreviations and Acronyms
Our newest subsection of our Financial Glossary is our Special Glossary of Abbreviations and Acronyms, a great place to check if you're at a loss when presented one of the hundreds of them that exist.



Knowledge Bank
The Cornerstone Household Directory of Documents
About Us
Take a tour of FiscalAgents.com
With the busy lives we lead today, how many of us take the time to think about what we will leave behind when we die? The reality is that most people give little thought to bringing their personal and financial matters to order until it is too late.

Now think of the difference that it could make to your family if you could give this information to them ahead of time. With the free Cornerstone® Household Directory of Documents, you can do just that.
Hop aboard the red bus for an up-close and personal online tour of our web site.

The Fiscal Agents Site Tour is one of our newest additions, and guides you through the various sections of the site, noting special features and points of interest that you may not have seen. Follow along as we provide a detailed introduction for newcomers to FiscalAgents.com.


Thursday, May 17 2012



Ask an Expert

If a grandparent or an Aunt/Uncle of a minor purchase (as a gift) Canada Savings Bonds, who is responsible for claiming the interest income? If the child has a SIN# can they claim the interest income?
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The 10 Principles
of Being Rich

The Ten Principles of Being Rich follows the life stories of three typical investors, and explains how investment fundamentals are influenced by time constraints as they develop and monitor their financial plans.


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