How much money do you need to live on? Now? In 10 years? In 25 years?

If you don’t know the answer to this question, a financial plan will tell you. It will also be your guide to financial health. Your Monarch advisor will help you understand your current financial situation and goals for you and your family. Then we prepare a financial plan that fits you personally, including a set of recommendations about the right investments to suit your plan.

Your financial plan will include:

  • Current financial position

  • Targeted returns needed to meet your goals

  • Overall investment approach that fits your style

  • Asset allocation targets that match your investment objectives

Private Client Portfolios

Professional Team

Ongoing Monitoring and Rebalancing

Unbiased Fund Selection Process

Low Cost, Fee-based Accounts

Private Client Portfolios combine the highest principles and strategies of investing with advanced reporting and communication.

We offer professional, sophisticated and unbiased portfolio management advice.

Carefully chosen portfolio managers acting independently of fund companies are selected for their proven process driven approach to portfolio construction and manager due diligence and oversight.

Reach your investment goals through the benefits of a Private Client Portfolio

  • Professional portfolio construction and investment selection process

  • Continuous monitoring by a professional third party portfolio manager with periodic re-balancing

  • Secure on-line access to your account holdings, with consolidated tax and account reporting

  • Lower fees and transparent pricing with discounted fees as your account size increases

We bring you:

  • Professional portfolio construction based on your goals and investment objectives.

  • Performance monitoring and regular re-balancing to ensure your investments stay the course.

  • Strategic asset allocation to give a portfolio just the right balance between risk and return.

  • Diversification to enhance opportunities for consistent performance over the long run.

*Mutual funds provided through Monarch Wealth Corporation. – Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts before investing. Mutual funds are not guaranteed; their values change frequently and past performance may not be repeated.

Client Services

Portfolio Management


Capitalizing on Opportunities

Our Private Client Portfolios offer you direct access to some of the most highly qualified professionals in the industry to manage your investments.

Keeping Your Portfolio on Course

Sophisticated portfolio construction is supported by our technology-driven platform, featuring ongoing account monitoring and rebalancing. Working together, your advisor and portfolio management team provide you with comprehensive and sophisticated investment solutions.

Tax Strategies

Do you need help to pay less tax?

Canada is one of the highest taxed countries in the world.

Proper tax planning goes far beyond maximizing RRSPs and filing your annual tax return.

In some cases you can apply to reduce ‘at source’ tax deductions from your pay cheques, to increase your amount of cash on hand throughout the year.

Did you know?

  • Maximizing your RRSP contribution reduces your taxable income and taxes payable

  • Income splitting and assigning Canada Pension Plans can reduce taxes

  • Borrowing can be a tax deductible way to invest


Registered, Tax-Deferred Investments

Registered Retirement Savings Plan (RRSP)

Did You Know?

  • Up to 100% of your RRSP may be invested in foreign holdings

  • The contribution deadline for the tax year in question is February 28 of the current year (The CRA allows you to make RRSP contributions for the previous tax year in the first 60 days of the following year).

RRSPs are the most tax-effective way to build wealth for your retirement. Contributions are tax deductible and are protected from taxes while they grow over the years leading up to retirement. You can open an RRSP at any age and can keep it until the end of the year you turn 71. The maximum amount you can put in your RRSP is the lesser of 18% of earned income, or $22,450.

Registered Retirement Income Fund (RRIF)

RRIFs help optimize tax savings in your retirement years. Rather than paying tax on your entire RRSP at the age of 71, you can convert your RRSP to a lower tax income stream. The minimum withdrawal from your RRIF is based on the age of the plan holder or the plan holder’s spouse. If your spouse is younger than you, you can withdraw less per year and pay less tax


Do you have an insurance strategy that lets you sleep at night?

Insurance planning helps protect those close to you by ensuring continuity of income for you, your family and even your business, no matter what happens. The right insurance can protect assets so that they can be transferred from one generation to the next.

Types of Insurance

  • Life Insurance comes in three basic types - Term, Whole and Universal.

  • Critical Illness Insurance provides a cash benefit if you are diagnosed with a critical illness, so that you can deal with the unexpected costs of a critical illness and focus on your health and well-being.

  • Disability Insurance provides income if you become disabled, until you have returned to an active life.

Did you know?

  • Term Insurance is ideal for both temporary and life-time needs.

  • Whole life insurance that provides lifetime protection for a fixed premium.

  • Universal life insurance is the most flexible life insurance. You can customize it and easily make changes as your needs change and it offers tax-advantages.

Education Savings

RESPs are an ideal way to save for a child’s education. Unlike an RRSP, your RESP plan cannot be used to reduce your taxable income. However, the RESP can grow tax free, until the funds are withdrawn, when the proceeds of the plan are taxed at the beneficiary student’s tax rate. You can contribute up to $2,500 per year per child, to a lifetime maximum of $50,000 per child.

Did you know?

  • Canada Education Savings Grant money is available — up to $7,200 per child

  • You can access your principal at any time, tax-free

Estate Planning

Are your assets protected?

Wills and Estates – It’s Not Complicated

Many Canadians spend a lifetime working to accumulate assets without making any effort to protect their investments in the event of death and/or disability. Simply put – an estate plan can avoid that.

Whether through insurance or an estate freeze, Your Monarch Advisor can help with a sound estate plan that will help transition your assets to your beneficiaries.

Did you know?

  • Insurance can handle the tax related to the transfer of wealth to beneficiaries.

  • An estate freeze is an estate planning technique that can limit the growth of capital property held during your lifetime; future growth is transferred to your heirs, thereby deferring payable taxes.


We track the best GIC rate available in 1 to 5 year terms across multiple institutions.

1 Year 1.58% 1.15% 1.41% 1.15%
2 Year 1.86% 1.60% 1.65% 1.49%
3 Year 2.40% 2.40% 2.40% 2.40%
4 Year 2.50% 2.50% 2.50% 2.50%
5 Year 2.65% 2.30% 2.30% 2.30%


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