Protect your wealth. Plan for retirement. Build your legacy.
GFI Canada helps Canadian families, professionals, entrepreneurs and business owners navigate financial complexity with strategies designed around their goals, priorities and future.
Select a priority to see how it connects to the rest of your plan and which strategies belong to it.
GrowRegistered and non-registered strategies built around your timeline, comfort with risk and goals.
Explore strategies related to your priorityEvery strategy below links to a dedicated page with the full details.
Choose a priority to explore strategies related to it. This is general information, not personalized financial advice.
Seven interconnected financial strategies designed to help Canadians protect, grow and preserve their wealth through every stage of life.
Personalized protection strategies designed to help safeguard your family, income, financial commitments and long-term goals.
Life insurance planning matches coverage type and amount to what your household would still need to pay if your income stopped: mortgage and debt, day-to-day living costs, education and final expenses. In Canada a death benefit paid to a named beneficiary is generally received tax-free.
Life insurance death benefits are generally received tax-free by a named beneficiary in Canada.
Source: Canada Revenue Agency
Illustrative only. Not a projection of results or personalized advice.
Build a personalized retirement strategy around your savings, income needs, lifestyle goals and timeline.
Retirement planning in Canada coordinates government benefits such as CPP and OAS with personal savings in RRSPs, TFSAs and workplace pensions. The plan sets a target income, chooses when each source starts, and reviews the withdrawal order so the income lasts and taxes stay manageable.
The CPP retirement pension increases by 0.7% for each month it is deferred after age 65, up to 42% at age 70.
Source: Government of Canada
Illustrative only. Not a projection of results or personalized advice.
Help prepare for future education costs through personalized savings and planning strategies for children and families.
A Registered Education Savings Plan is a Canadian account used to save for a child's post-secondary education. Contributions grow tax-deferred and attract the Canada Education Savings Grant, which matches 20% of contributions up to $500 a year and $7,200 in total per child.
The basic CESG matches 20% of RESP contributions, up to $500 per year and $7,200 per child in total.
Source: Government of Canada
Basic grant match added on top of every eligible RESP contribution.
Illustrative only. Not a projection of results or personalized advice.
Financial strategies designed for entrepreneurs, professionals, physicians and business owners focused on protecting and building long-term business value.
Business financial planning looks at what happens to the company if an owner or key person is lost, how value is transferred at retirement or sale, and how the corporation holds and moves capital. Common tools include buy-sell funding, key person coverage and corporate-owned policies.
Proceeds of a corporate-owned policy, less the policy's adjusted cost basis, may credit the capital dividend account and be paid out tax-free to shareholders.
Source: Canada Revenue Agency
Illustrative only. Not a projection of results or personalized advice.
Strategies designed to help organize, protect and transfer wealth while supporting your family's long-term financial goals.
Estate planning organizes how your assets are held, taxed and transferred. It coordinates wills, beneficiary designations, joint ownership and insurance so that liquidity is available for final taxes and the estate can settle without forcing a sale of property or a business.
Ontario charges $15 per $1,000 of estate value above $50,000; assets with a named beneficiary generally pass outside the estate.
Source: Ontario Ministry of Finance
Illustrative only. Not a projection of results or personalized advice.
Personalized financial strategies designed to help individuals and families build, manage and preserve long-term wealth.
Long-term wealth building combines a consistent savings rate, a diversified portfolio matched to your time horizon, and the use of registered accounts such as TFSAs and RRSPs so growth is sheltered. The plan is reviewed as income, family situation and goals change.
The TFSA dollar limit was $7,000 for both 2024 and 2025; unused room carries forward.
Source: Canada Revenue Agency
Illustrative only. Not a projection of results or personalized advice.
Explore financial strategies designed to help manage taxation and improve the efficiency of saving, investing, retirement and wealth-transfer plans.
Tax-advantaged strategies use the accounts and rules already in the Canadian tax system — registered plans, income splitting where permitted, and the tax treatment of insurance — so that more of what you save, earn and transfer stays with your family rather than going to tax.
RRSP room accrues at 18% of the previous year's earned income, up to the annual dollar limit set by the CRA.
Source: Canada Revenue Agency
Illustrative only. Not a projection of results or personalized advice.
Your financial life is interconnected.
Our approach is to understand the bigger picture and explore appropriate strategies around your priorities.
Financial strategies should reflect your goals, circumstances and the Canadian financial environment.
A complete financial strategy is built by connecting protection, growth, preparation, and legacy planning. GFI Canada helps individuals, families, professionals, and business owners create a balanced financial roadmap designed around their unique goals.
Protect What Matters Most
Financial protection strategies designed to safeguard your family, income, and future.
Prepare For The Life You Want
Build strategies for retirement confidence, income stability, and long-term independence.
Invest In Their Future
Prepare for education costs with personalized strategies that support future opportunities.
Build Your Business Legacy
Strategies designed for business protection, growth, succession, and continuity.
Preserve Your Legacy
Strategies to protect assets and support wealth transfer for future generations.
Grow With Purpose
Personalized strategies focused on building, managing, and preserving long-term wealth.
Different needs. Different goals. The right coverage protects what matters most.
| Feature | Term Life | Whole Life | Universal Life |
|---|---|---|---|
Coverage Length | Term only | Lifetime | Lifetime |
Cash Value | None | Yes — Guaranteed | Yes — Variable |
Premium Flexibility | Fixed | Fixed | Flexible |
Cost Level | Lowest | Highest | Medium — High |
Complexity | Simple | Moderate | Complex |
You need affordable coverage for temporary obligations like mortgages or raising children.
You want guaranteed lifetime coverage with predictable premiums and cash value that grows over time.
You need flexibility and want to combine protection with investment potential and adjust as your life changes.
Understanding your financial goals and risk tolerance is key to selecting the right life insurance. Always consult a licensed advisor to find coverage that matches your unique situation and protects your loved ones effectively.
Eleven interconnected specialties supporting families, professionals and business owners across Canada.
A tax-advantaged retirement strategy designed for Canadian families, so your money compounds without being eroded by future tax hikes, and your income in retirement stays yours.
What's included
Instead of sending your money to banks and lenders, you build cash value inside a specially structured policy that funds education, first homes, business capital and a stable retirement, for generations.
What's included
Life-insurance-based protection with living benefits that release funds if you face a critical, chronic or terminal illness, protecting your income, savings and family when it matters most.
What's included
Position your money to participate in market growth while your value is protected from downturns. Locked-in annual gains mean no more watching a decade of savings vanish in a bad year.
What's included
A long-horizon, tax-advantaged wealth vehicle for your child or grandchild, flexible enough for university, a first home, a business, or a head-start on retirement.
What's included
Coordinate wills, trusts and beneficiary strategy so your wealth transfers privately, efficiently and exactly the way you want, sparing your family confusion, delay and unnecessary tax.
What's included
Tax-efficient compensation, key-person and buy-sell coverage, succession design and corporate wealth strategies, built to protect your business today and its value tomorrow.
What's included
Solutions that fund quality long-term care without draining the estate you built for your family, and without depending on adult children to fill the gap.
What's included
Consolidate eligible RRSPs, locked-in retirement accounts, and Canadian workplace pension assets into retirement strategies designed to improve tax efficiency, manage downside risk, and create reliable lifetime income.
What's included
The affordability of term life insurance with a rare guarantee: if you outlive the policy, your paid premiums come back to you, so protection never feels like a sunk cost.
What's included
A simple, personalized system to see where your money goes, free up cash for saving and investing, and stop the paycheque-to-paycheque cycle for good.
What's included
Transparent projections and coverage benchmarks for every service on this page, from tax-sheltered growth to protection gaps we help close.
Illustrative CAD projection, $10,000 annual contribution. Assumes 4.8% after-tax vs 7.2% tax-sheltered compound growth. Actual results vary.
A snapshot of common gaps in Canadian financial plans, resolved when protection, retirement and estate design work together.
Our advisors provide financial guidance and access to financial solutions at no direct cost to the client. Advisors may be compensated by financial institutions or product providers when applicable. Any product-specific costs, fees, premiums, charges, or investment expenses will always be clearly explained before you make a decision.
Explore the strategies that may help you protect what you've built, grow with purpose and plan for the years ahead.
Start with a free 45-minute consultation with a licensed advisor from our independent GFI Canada Agent team. Financial guidance is provided at no direct cost to you; any applicable product fees or costs are always disclosed clearly.