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DOLLARS & CENTS INVESTMENTS
SERVICES

MORTGAGES

 

Through our alliance with RICE FINANCIAL GROUP INC. we are able to offer a variety of products & services at COMPETITIVE RATES:

GAURANTEED INVESTMENT CERTIFICATES (G.I.C.s):

As a Deposit Broker we are able  to shop Canada – wide for the highest rates available on G.I.C.s every day. We are also members of the Federation of Canadian Independent Deposit Brokers (FCIDB) and as such, adhere to the “Code of Ethics” and “Standards of Professional Conduct and Procedures” of the FCIDB.

MUTUAL FUNDS:

We have mutual fund representatives on staff who are able to offer you a wide range of mutual fund products. With the Rice Financial Group as our mutual fund dealer, the mutual fund representatives can help you find the right fund to suit your investment needs.

Labour Sponsored Funds:

A Labour Sponsored Fund (LSF) is designed to help create jobs. Monies on deposit in a LSF must be invested in small to medium sized companies, which is where most new jobs are created. Canada Revenue Agency uses the tax system to encourage investment in these funds by allowing a 30% tax credit on top of the usual RRSP savings (if the investment is registered). However, the extra incentive comes with a higher degree of risk. Contact one of our mutual fund representatives to see if a LSF will fit into your portfolio.

 
Segregated Funds:

A segregated Fund is a mutual fund that offers some guarantees, due to an added insurance component. We now have a licensed insurance agent on staff who can handle “Seg” funds.

All of the above investments can be placed in unregistered (open) or registered accounts.
Registered accounts include:
                              Registered Retirement Savings Plan (RRSP)
                              Registered Retirement Income Funds (RRIF)                
                              Life Income Funds (LIF)
                              Registered Education Savings Plans (RESP)
                              Ultra Advantage Self-Administered Plans (UASAP)

INSURANCE PRODUCTS:

Because we now have a life insurance agent on staff we are able to offer a variety of insurance products, such as:

§         Segregated Funds

§         Annuities

§         Insurance Backed Annuities                                        

§         Life Insurance

RRSP LOANS

We are able to offer RRSP loans at prime through the National Bank of Canada. In most cases, the loan can be approved in just a few hours and you are able to use the loan proceeds to purchase any of the RRSP products that Rice offers. You are not restricted to a National bank product, as you would be if you obtained a loan through most other institutions.

 Our Specialists In Investments:

·         Chip Thrasher - GICs, Mutual Funds, Labour Sponsored Funds, Segregated Funds, Insurance

·         Frances DeDona - GICs, Mutual Funds, Labour Sponsored Funds, Mortgages

·         Connie McGuire - GICs

·         Bev Bondy - GICs, Mutual Funds, Labour Sponsored Funds

·         Bonnie Hamelin- GICs

As a member of the Mutual Fund Dealers Association (MFDA), Rice
Financial Group Inc. (RFG Inc.) and its licensed mutual fund
representatives must disclose that; RFG Inc. is not involved with the
other business operations of Dollars$ and Cents (Income Tax and
Bookkeeping). RFG Inc. does not supervise and is not liable for these
other employment activities or business operations.


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