Investments and savings

Choosing a financial services professional is an important decision.We always encourage consumers to ask questions, to verify their representative's registration with the AMF , and to ensure they fully understand the proposed solutions.At Actif santé financière, we prioritize an approach based on listening, transparency, and long-term support. Our clients benefit from regular follow-ups so that the strategies implemented can evolve according to their needs and plans.

The Financial Markets Authority makes available to the public a register allowing verification of the registration of a representative or firm.Before engaging with a professional, it is recommended to consult this register to confirm their registration and the disciplines in which they are authorized to practice.

The professionals at Actif santé financière operate within a regulated framework and hold the required permits to offer their services in their respective fields of practice.You can verify a representative's registration directly in the register of the Financial Markets Authority (AMF), which is publicly accessible.This process helps to confirm that a professional is authorized to practice and that they comply with the regulatory requirements applicable in Quebec.Actif santé financière is also registered and visible on the AMF register.Would you like to learn more about our professional support? Feel free to contact our team.

Actif santé financière operates in collaboration with Investia Financial Services Inc., a firm registered with the relevant regulatory authorities.This affiliation provides a professional and regulated framework for the provision of certain financial services.Mutual funds, exempt market products and authorized exchange-traded funds are offered through Investia Financial Services Inc.When a solution is recommended, it is evaluated based on the client's situation, objectives, and needs.

Actif santé financière assists its clients in analyzing their needs and financial objectives.Our approach aims to identify solutions tailored to each situation. Depending on the client's needs, different options from several suppliers may be considered.Our role is to support our clients in their reflections and decisions, taking into account their financial, family and professional realities.

No. Depending on the services involved and the client's needs, different solutions from various institutions and suppliers can be considered.The objective is to evaluate the available options in order to identify those that best match the client's situation and objectives.Find our partners hereMutual funds, exempt market products and authorized exchange-traded funds are offered through Investia Financial Services Inc.

Yes. Every situation is unique.Whether you are at the beginning of your career, a parent, a future homeowner, an entrepreneur or approaching retirement, we take the time to understand your reality and your plans.Our approach is based on listening, financial planning and long-term support to help you make decisions that are aligned with your life goals.

You don't need to wait until you have significant assets or a major life event to consult a financial security advisor. Many people choose to seek guidance when they want to better structure their finances or prepare for a major project.It can be helpful to meet with an advisor, particularly in situations such as:The beginning of your professional careerBuying your first propertyThe birth of a childStarting a businessA change of jobPreparing for retirementA review of your insurance coveragePlanning multiple financial projects simultaneouslyEven in the absence of a specific event, a meeting can provide an opportunity to review your current situation and verify whether your strategies remain aligned with your objectives.At Actif santé financière, we believe that effective support is based on a long-term relationship. That's why we conduct several follow-ups throughout the year to adjust strategies as needed and help you stay aligned with your life goals.Are you wondering if it's time to take stock of your situation? Contact our team to discuss your goals and discover solutions that might fit your reality.

The term "financial advisor" is frequently used to refer to a professional who helps individuals, families, and entrepreneurs make informed financial decisions.However, this security is not regulated in the same way as certain securities recognized by the Autorité des marchés financiers (AMF).The financial security advisor possesses the certifications and authorizations required to practice in their field and can assist their clients in planning their projects, financial protection, retirement and savings strategies.At Actif santé financière, our approach is based on financial planning, personalized support and long-term follow-up to help our clients make decisions adapted to their reality.

Beyond financial products, a meeting is primarily an opportunity to review your objectives, projects, and priorities.Whether you wish to prepare for retirement, buy a property, finance your children's education or simply structure your savings, appropriate planning can help you make informed decisions that are consistent with your situation.

Financial institutions and financial services firms may have different approaches depending on the services offered.At Actif santé financière, we focus on understanding your situation, your goals, and your life plans. Whether you want to prepare for retirement, buy a property, finance your children's education, or structure your savings, we take the time to analyze your situation to support you in your financial planning.Our approach is based on financial planning and long-term support. We remain available to review your situation at different stages of your life to ensure your strategies continue to reflect your goals and priorities.

We believe that financial planning is not limited to a single meeting. Projects, priorities, and financial situations evolve over time.That's why we prioritize long-term support, based on regular communication and periodic reviews of your situation. Our goal is to help you maintain a strategy aligned with your life plans, both now and in the future.

For over 25 years, we have been supporting individuals, families and entrepreneurs in their financial projects throughout Quebec.Our approach is not limited to a specific product or solution. We prioritize a holistic view of your situation to help you structure your projects, plan your objectives, and adapt your strategies as your reality evolves.

Making an appointment is simple. During the first meeting, we take the time to understand your situation, your objectives, and the projects that are important to you.Whether you are at the beginning of your career, a parent, an entrepreneur, a future homeowner or approaching retirement, this discussion allows us to better understand your needs and explore solutions that could fit your reality.Our goal is to establish a long-term relationship based on support, monitoring and evolution of your financial planning over the years.

Financial planning involves analyzing your current situation to develop a strategy tailored to your life goals. It allows you to consider various aspects of your financial reality, such as your income, projects, savings, financial protection, and short-, medium-, and long-term objectives.Whether it's buying a property, preparing for retirement, financing your children's education, protecting your family, or undertaking an important project, financial planning helps to better structure your decisions and give direction to your actions.Your needs evolve over the years. That's why an effective strategy must be periodically reassessed to remain aligned with your personal, family, and professional situation.At Actif santé financière, we prioritize a long-term support approach. We conduct several follow-ups throughout the year to ensure that the strategies implemented remain consistent with the evolution of your goals and your reality.Do you have projects in mind and want to better understand the options available to you? Contact our team to discuss your situation and explore strategies tailored to your goals.

Anyone with financial goals can benefit from financial planning, whether it's to buy property, prepare for retirement, protect their family, optimize their taxes, or grow their wealth.

No.Retirement is one part of financial planning, but it also encompasses debt management, savings, investments, taxation, family protection, life projects, and estate planning.

Yes.Sound financial planning helps balance multiple objectives, such as building an emergency fund, saving for children's education, preparing for retirement, or financing a real estate project. The role of a financial planner is to establish priorities and develop a tailored strategy.

Every situation is unique. A personalized action plan takes into account your income, savings capacity, obligations and objectives in order to offer you a coherent strategy rather than generic solutions.

Our approach begins with a meeting to fully understand your situation, priorities and objectives.Our financial planner then conducts a comprehensive analysis and presents you with a personalized action plan including concrete recommendations to achieve your goals.

Depending on your situation, it may be helpful to have information about your income, debts, investments, insurance, and main financial goals on hand. You may also be asked to provide valid photo identification to confirm your identity and comply with applicable regulations. Your advisor will specify the necessary documents before your meeting.

A financial planner has a comprehensive view of your situation. They analyze your income, assets, taxes, retirement, and future plans to develop a coherent strategy.At Actif santé financière , this expertise is integrated with personalized support to help you make decisions adapted to your reality.

Each person has different goals, income, and plans. Buying property, children's education, retirement planning, or an entrepreneurial project can all influence the strategies to consider.At Actif santé financière, we take the time to understand your situation in order to build a financial plan tailored to your current and future goals. Our support also allows you to reassess your strategy as your circumstances change.

Financial needs change over time. A career change, the arrival of a child, a real estate project, a separation, an inheritance, or the approach of retirement can influence your goals and the strategies to consider.That is why it is important to periodically review your financial situation to ensure that your decisions remain aligned with your current reality and future plans.At Actif santé financière, we prioritize long-term support. We remain available to review your situation with you at various stages of the year as it evolves, in order to help you adjust your plan according to your objectives.Regular review often helps to identify new opportunities, confirm that your strategy remains appropriate, and maintain a clear vision of your progress towards your life goals.

It is recommended to review your financial plan during important events, such as a change of job, the arrival of a child, a real estate purchase or retirement.Even without major changes, periodic review helps ensure that your action plan remains appropriate for your situation.

It's never too early to start saving. Even with small amounts, it's possible to establish good financial habits and start preparing for future projects such as buying a property, traveling, studying, or retirement.A suitable strategy allows you to establish priorities based on your current reality and your long-term goals.Looking to get off to a good financial start? Our team can help you explore options tailored to your situation.

The earlier you start, the more time you have to build your savings and prepare for your future plans. Even small amounts invested regularly can help you achieve goals such as buying a property, building an emergency fund, or preparing for retirement.

The first years of professional life are often marked by several projects: building an emergency fund, buying a property, traveling, paying off debts or starting to prepare for retirement.Financial planning allows you to establish priorities and implement a strategy tailored to your current situation and future plans.Do you want to build a solid financial foundation for the future? We can support you in your planning.

The answer depends on several factors, including the type of debt, your financial situation, your budget, and your goals.In some cases, it may be appropriate to prioritize repaying certain debts. In other situations, it may be possible to combine repayment and saving in order to progress toward several goals simultaneously.A personalized analysis helps to identify the approach best suited to your situation.Are you wondering what your financial priorities should be? Let's discuss your situation.

Yes. You don't need a large fortune to start saving or investing. The important thing is often to develop a strategy that aligns with your situation, your goals, and your financial capacity.Over time, regular contributions can help support different life projects.Would you like to know which options might suit your situation? Contact our team to discuss it.

A family's needs are constantly evolving . Children's education, real estate projects, retirement, and even the financial protection of the household can all be part of the considerations.Appropriate financial planning allows you to establish priorities and identify strategies that support your family's short, medium, and long-term projects.

Many families have to deal with different goals simultaneously: paying off a mortgage, preparing for children's education, building up savings, planning for retirement, or financing other important projects.A suitable strategy allows you to better understand short, medium and long term priorities in order to make decisions consistent with your situation.At Actif santé financière, we support our clients throughout the year to adjust strategies according to changes in their family situation and their plans.Are you juggling multiple financial goals? Contact our team to discuss options that could support your family projects.

Several savings strategies can be considered to finance post-secondary studies.The earlier the planning begins, the more possibilities there are.A meeting allows you to better understand the available options and choose an approach tailored to your family's needs.

The Registered Disability Savings Plan (RDSP) is a program designed to help people eligible for the Disability Tax Credit (DTC) save for their financial future.Depending on the circumstances, the RDSP may provide access to government grants and bonds designed to support long-term savings. It can be an important tool in the financial planning of a person living with a disability or their family.Since eligibility criteria and strategies can vary from situation to situation, it is often helpful to obtain guidance to better understand the available options.Are you wondering if the RDSP could be part of your family planning? Contact our team to discuss your situation.

When a family member is eligible for the Disability Tax Credit (DTC), the RDSP can become an important part of long-term financial planning.A suitable strategy allows us to assess how the RDSP can be integrated with other family objectives, such as savings, financial protection, children's education or retirement planning.At Actif santé financière, we take the time to analyze your entire situation in order to identify solutions that could support your family projects in the short and long term.Would you like to better understand the possibilities offered by the RDSP? Let's talk about your family situation and your goals.

The earlier you begin preparing, the easier it is to develop a strategy tailored to your goals. Even if your project isn't immediate, it can be helpful to evaluate the various options now that could help you build your down payment and plan your purchase.

Preparing a down payment often requires several years of planning. The amount to be accumulated, the target timeframe, and other financial projects must be taken into consideration.Appropriate planning can help you better structure your approach and move towards your goal with more confidence.

There is no one-size-fits-all answer. Depending on your situation, it may be possible to work towards several goals at once, including buying a property and building long-term savings.A personalized analysis allows us to evaluate the strategies best suited to your financial situation.

There is no single answer to this question. The choice depends in particular on your financial situation, your objectives, your investment horizon, and your risk tolerance.For some people, homeownership is a priority. For others, it may be better to focus their efforts on other financial goals. An analysis of your situation will help assess the different options.Looking to buy a property while keeping your long-term financial future in mind? Contact our team to discuss your situation and explore the options available to you.

It is often possible to pursue several financial goals simultaneously, provided you adopt a strategy tailored to your situation. Buying property and preparing for retirement are not necessarily mutually exclusive.Depending on your income, time horizon, savings capacity and priorities, certain solutions may allow you to build up a down payment while continuing to save for your long-term goals.Every situation is unique. An analysis of your financial reality allows us to assess the different possible scenarios and identify strategies that could help you progress towards several objectives simultaneously.At Actif santé financière, we support our clients in the evolution of their projects in order to adjust strategies according to changes in their personal, family or professional situation.Looking to buy a property while keeping your long-term financial future in mind? Contact our team to discuss your situation and explore the options available to you.

Retirement planning can begin well before the final years of your career. The earlier you start, the more time you have to structure your savings and adjust your strategy as your goals evolve.That said, it's never too late to take stock of your situation. Proper planning allows you to identify the options that best suit your current reality.Do you want to know if you are on the right track for retirement? We can help you assess your situation.

No. It's never too late to start planning for retirement.While starting early generally offers more flexibility, it's possible to develop a strategy tailored to different stages of life. The key is to assess your current situation, your goals, your future income streams, and the lifestyle you want to maintain in retirement. Personalized planning allows you to identify the solutions best suited to your circumstances and adjust them as needed.

The amount needed varies depending on your lifestyle, your plans, your family situation and your other sources of income expected in retirement.Rather than relying on a general rule, financial planning allows you to gain a more precise understanding of your needs and to establish a strategy tailored to your retirement goals.

There is no universal amount. Retirement needs depend in particular on your desired lifestyle, future income, plans and family situation.A personalized analysis provides a more precise view of your situation and assesses whether your current strategy is aligned with your retirement goals.Would you like to have a clearer vision of your retirement preparation? Let's discuss your goals.

Government programs, such as the Quebec Pension Plan (QPP) and Old Age Security (OAS) pension, can represent a portion of your retirement income, but they generally only replace a portion of the income earned during your working life .The amount you may be entitled to depends in particular on your contribution history, your income and the age at which you start receiving your benefits.It is therefore important to assess your other sources of income and savings in order to have a more complete picture of your financial situation in retirement.Would you like to know if your retirement income will be sufficient to support the lifestyle you envision? We can help you assess your situation.

An RRSP is a registered retirement savings plan that can contribute to retirement savings and offer certain tax advantages. Retirement planning , however, is a much more comprehensive process.It involves defining the lifestyle you want in retirement, estimating your future financial needs, evaluating your different sources of income (registered plans, savings, government pensions, other assets, etc.) and developing a strategy adapted to your situation.An RRSP can be part of retirement planning, but it's only one tool. Depending on your situation and goals, other solutions can also be considered as part of a comprehensive financial strategy.Also read: our page dedicated to RRSPs to better understand how this plan works and its role in a retirement strategy.

Yes. Many people have to balance different financial goals, such as buying a property, children's education, travel, or preparing for retirement.Comprehensive financial planning allows for the establishment of priorities and the implementation of a coherent strategy to support multiple projects simultaneously.Are you juggling multiple financial goals? We can help you with your decision-making.

It is often possible to pursue several financial goals simultaneously, provided you adopt a strategy tailored to your situation. Buying property and preparing for retirement are not necessarily mutually exclusive.Depending on your income, time horizon, savings capacity and priorities, certain solutions may allow you to build up a down payment while continuing to save for your long-term goals.Every situation is unique. An analysis of your financial reality allows us to assess the different possible scenarios and identify strategies that could help you progress towards several objectives simultaneously.At Actif santé financière, we support our clients in the evolution of their projects in order to adjust strategies according to changes in their personal, family or professional situation.Looking to buy a property while keeping your long-term financial future in mind? Contact our team to discuss your situation and explore the options available to you.

A change of job, a birth, a separation, an inheritance or a change in your income can all impact your financial planning.That's why we prioritize long-term support. We conduct regular follow-ups to ensure your strategy remains adapted to your situation and the evolution of your projects.Has your situation changed recently? It may be a good idea to review your financial planning.

Yes.The earlier you start thinking about retirement, the more you can gradually adapt your strategy as your career, income, and life goals evolve. Retirement planning isn't just for people nearing retirement.

Yes.Retirement is one of the major goals of financial planning. This allows you to integrate all your plans so that they remain consistent throughout your life.

Retirement planning takes several years, sometimes several decades. Markets, tax laws, personal projects, and family situations can all change over time.A periodic review allows you to validate that your strategy remains aligned with your objectives and to make the necessary adjustments when your situation changes.At Actif santé financière, we believe that good planning relies on continuous support and regular communication throughout your financial journey.Do you want to review your retirement preparations? Our team is available to assist you.