Wealth Management

Wealth Management 2017-09-15T15:54:08+00:00

At Golden Grace Financial Group, We take a Four-Step approach to manage investment:

Step One: We start with a discovery meeting with you. We collect information from you to evaluate your current financial situation and help you understand where you are right now.

Step Two: Next we ask you where you want to be in the future. We help you determine your investment goals and if you are short term or long term investment. At the same time, we find out your risk tolerance and if you fall under high income tax brackets (for investment preferences).

Step Three: We bring the conversation into action. We offer personalized advice and recommendations based on your current situation, risk tolerance and future expectation. We build a customized portfolio for you that suit your needs.

Step Four: We implement the plan. We monitor your investment account regularly, and adjust your portfolio if necessary. We conduct annual review meeting with you to ensure your portfolio stays in line with your expectations.

You will participate in every stage of our approach. Our management is transparent, we do what we are asked and you will receive notification of all transactions.

You can choose from more than 90 carefully selected funds, managed by North America’s quality fund managers. No matter what your goals are, we have the solutions you are looking for, so start investing now for your future!

An annuity is a financial contract where the financial institution makes a series of future payments to a buyer in return for the lump sum investment made at the onset of the contract. This payment stream ends at the stated period in the contract. Annuity payments can also last for life. Contact us for competitive annuity quotes!

Segregated Fund is a type of investment fund issued by Canadian insurance companies. Segregated fund is like a mutual fund combined with insurance policy. Similar to Mutual Fund, It is managed by professional fund management managers or companies. Letting a fund manager manage the portfolio has the advantage of diversification, and to spread risk. This canot be easily achieved by a self-direct investor. In addition, segregated fund has the following unique functions: 

Maturity Guarantee

Guarantee is offered in segregated funds whereby at least a percentage of the initial investment will be paid out at contract maturity

Estate Protection

In the event of your death, your contract proceeds are paid directly to your designated beneficiary, without the process of probate and the cost and time involved in the legal process. At the same time, your personal information will not be release to the public so your privacy is protected.

Reset Option

Some segregated fund contracts come with a reset option which allows the contract holder to lock in investment gains after a certain period.

Creditor Protection

Because segregated fund has the feature of an insurance policy. If a beneficiary is named, the investment may be secure from creditors in case of bankruptcy.

Management Cost

In general, the management fee of segregated fund is slightly higher than mutual fund. However, you benefit from the above added features that mutual fund does not possess.

Guaranteed Investment Certificate (GIC) is an investment that offers a guaranteed rate of return over a fixed period of timeGIC guarantees the safety of your money. You will receive your principal plus interest at contract maturity. Because it has zero risk, the return is generally lower than investments such as stocks, bonds, or mutual funds. One common purpose for purchasing GICs is for retirement savings. We have both non-redeemable and redeemable GIC (ability to withdraw before contract maturity), contact us for competitive rates.