There are a number of different types of registered accounts where you can park your investments. Once we do a complete analysis of your cash flow, net worth, and annual  taxes owed, we can advise on the best options to meet your individual needs. There is no “one plan fits all” for every client. Each client will be analyzed individually to determine the best plan for their portfolio. Most Mutual Funds, GICs, and Segregated Funds can be held inside an RRSP, RRIF, RESP, or a TFSA. There are many factors that will determine which registration will best serve your needs. Whether you are saving for retirement, a child’s education, or the annual holiday, we will show you which account and investment makes the most sense.

GIC Financial Services Ltd. was founded in 1999 to provide higher guaranteed investment rates. finds the highest available Guaranteed Investment Certificate (GIC) rates and provides you a simple, safe and secure process for getting the best rate with flexibility and deposit insurance coverage. Clients choose as their GIC Broker because of our great GIC rates and our NO FEE services with rates from over 40 financial institutions.

Banking Products

We have partnered with Manulife Bank to facilitate access to additional services and bring our clients better rates on their personal and business accounts.  We can refer you to Manulife Bank for their Advantage Chequing Account or Manulife One Account. Manulife offers rates on their Advantage Chequing Account that is among the best in the industry. The Manulife Advantage Account can be linked to your current bank account for easy online transfers. These accounts must be set up through a financial advisor. We would be happy to open an account for you. For more information please visit this link:

Manulife also offers the ManulifeOne mortgage, which allows you to consolidate all of your debts (loans, credit cards, etc. – up to your borrowing limit) at a competitive, low interest rate. By repaying your higher-cost debt from your Manulife One account, you can reduce your interest costs and become debt-free sooner. Some traditional mortgages make it difficult or inconvenient to repay your debt more quickly. With Manulife One, the debt in your main account is automatically reduced any time you make a deposit to your account. And, when you have extra money to deposit, such as a gift, bonus, or tax refund your debt is automatically reduced. This gives you the financial flexibility to pay down your debt on your terms, not on your bank’s terms. For more information please visit: