FAQs

We’ve answered common questions about pension plans and investing for retirement.

As an investment client, you also have access to our comprehensive retirement planning. * You get a complete retirement analysis that includes all sources of income, not just your investments. * We help you determine how to most optimally save for retirement (RRSP vs TFSA) and how to optimally withdraw in retirement. * If applicable, we can help you with your buyback to see if it’s worth doing and how best to pay it back. * If applicable, we can help you take your severance in the most tax efficient manner * Help you decide if you should take your remaining vacation or cash it out at retirement. * And help choosing your optimal retirement date.

Absolutely. It’s important to include both of you in order to have a clear and comprehensive plan.

Yes. It’s exclusive to members of the public service and their families. Our focus is to help you with your investments and retirement planning, keeping in mind the unique requirements of public servants. We feel the public service is a demographic that has been underserved by Canadian financial institutions, which is why we’ve decided to make it our exclusive focus. That’s why our advisors are Certified by the Government of Canada Pension Centre for the delivery of the Public Service Pension Plan Member Education Session
(PSPP Certified).

All of our portfolios have a 1% fee. For households with assets greater than $100,000, the fee is reduced to 0.85%. All the extra retirement planning and advice is included in that fee and nothing extra is charged. There are no up front costs, nor are there penalties for transferring or withdrawing your funds. You always have 100% access to your money. Taxes may apply based on your province or territory of residence.
Our portfolios can work in you RRSP, TFSA, TFSA, LIRA, LIF, LRRSP, SpRRSP, LRIF etc. Non-Registered/Open account, Joint accounts and Business accounts.
Yes, absolutely. You can have automatic contributions to your RRSP, TFSA or Non-Registered plan to come directly from your checking account. In fact, you can do one-time, monthly or bi-weekly contributions. The choice is yours.
Rates of return are beyond anyone’s control as they are dictated by the market. Generally, the more aggressive portfolios will offer higher, long-term returns, while more conservative portfolios will offer lower returns in exchange for smaller, short-term fluctuations.

That’s why we offer conservative, balanced and growth portfolios: So that you can choose the best fit based on your goals, time horizon and personal risk tolerance.
The answer will be different for everyone. One of the primary factors is when you will need that money. If you will need most of your money in 10+ years, growth might be suitable. In 5 years, our Core portfolio offers a balanced solution that might work well. For shorter term, Conservative might be the right choice. That said, your own personal risk tolerance and investment experience will play a large role. For example, even if you plan on retiring in 15 years, but don’t want the volatility you might expect from a growth portfolio, choosing the Core portfolio might be very suitable for you as well. Feel free to consult our advisors at any time to help you choose.
There are thousands of ETFs to choose from. While choice can be a good thing, it can also be overwhelming. How do you select the right combination of ETFs to meet your long-term goals, while navigating bouts of market uncertainty? Franklin Multi-Asset ETF Portfolios are a simple and diversified option for investing in ETFs. You don’t have to worry about making asset-allocation decisions, buying and selling ETFs, or monitoring investments – we do all of that for you.
 
Franklin Multi-Asset ETF Portfolios are sophisticated ETF solutions designed for better outcomes – at attractive pricing.
Our portfolios offer
 
1)Diversification– After conducting in-depth research and analysis, we carefully hand pick a combination of ETFs to create portfolios     diversified by geography, asset class and ETF type.
 
2) Active, Expert Management – The portfolios are backed by the global expertise and research of our Franklin Templeton Multi-Asset     Solutions team. Our investment experts actively manage asset allocation, fund selection, currency and risk, with the flexibility to tilt    portfolios towards opportunities.
 
3) Ease of Access, Attractive Pricing – Franklin Multi-Asset ETF Portfolios are mutual funds that invest in ETFs. As a result, they combine some of the best features of both mutual funds and ETFs, such as active management, lower fees and an ability to use automatic investment plans, to name a few.
Yes! Helping families with education savings and planning for disabilities is something we feel is important, however, they are not part of the Franklin ETF portfolios, which we use for retirement planning. Please contact us for more details on how this works.
Feel free to contact us anytime. We’re always happy with help. You can call or you can e-mail your questions anytime you please. You can also book an appointment with one of our advisors at no extra cost.
We selected Franklin ETF portfolios to manage our portfolios, which are offered through Monarch Wealth Corporation. The retirement planning and pension expertise are offered through our partners at RocheBanyan Inc., who are a seasoned team all with the primary focus of helping Public Servants.