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A financial security advisir available at your workplace

Exclusive benefits

Get free advice from a financial security advisor, and take advantage of the exclusive benefits offered to members of the Quebec public service.
 

  • Advisor's Service
  • Life and Health Insurance
  • Savings and Investments
  • Mortgage Loans

- Presence of a financial security advisor in most workplaces

- Analysis of your financial situation and development of a personalized financial strategy

- Personal financial advice

- Retirement planning

- Estate planning

- Free access to the Best Buds program, a 24-month accident insurance for children under age 6

- Succession Advantage (free of charge)
 

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- RRSP: Exclusive interest rate

- High-Interest Savings Account (La Capitale Stow & Grow Account): Exclusive promotions

- Accurate projection of your retirement income with the help of specialized tools created to analyze public service retirement plans
 

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- Additional rate reduction on new mortgage loans

- First-time Homebuyers Package: free home and legal access insurance when first mortgage loan is obtained
 

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Through a mortgage financing advisor partner of La Capitale Civil Service Insurer Inc.

Financial Education Seminars

Description of available training

Discover all the training workshops provided by La Capitale:


Building Your Financial Future session (3hrs):

  • Building your own financial plan
  • Taking stock: Budget and financial results
  • Savings plans and investments: RRSP or TFSA?
  • RREGOP and PPMP: Everything you need to know about your pension fund
  • Liabilities: How to manage your debt
  • Taxes: Marginal rates and tax strategies
  • Mortgage insurance: Better coverage for less
  • Unexpected expenses: How to maintain your lifestyle in the event of a major event
  • Personalized follow-up with your advisor to develop a strategy tailored to your needs.

Planning for Financial Security During Retirement (3hrs)

  • How to create a sound financial strategy
  • The RREGOP and PPMP: Everything you need to know
  • The Quebec Pension Plan and Old Age Security
  • The marginal tax rate and tax strategies
  • Legal issues
  • Life and health insurance: Do I really need them and if so, how much coverage should I get?
  • Savings plans and investments: RRSP or TFSA?
  • Cashing out investments: RRIF and life annuities
  • Personalized follow-up with your advisor to develop a strategy tailored to your needs.

Credit rating (1 hr):

  • What is a credit report?
  • How is a credit report evaluated?
  • Avoid pitfalls that can influence your credit report
  • How you can improve your credit rating
  • Planning tools

Mortgage (1 hr)

  • Steps involved in acquiring a residence
  • Types of loans and mortgage options
  • Borrowing power and amortization period
  • In the event of disability or death
  • Mortgage insurance

RRSP (1 hr)

  • Marginal tax rate
  • Inflation, life expectancy and retirement age
  • Getting a good understanding of RRSPs and TFSAs
  • Your investor profile
  • Types of investment options 

PPMP (1 hr)

  • Your sources of retirement income
  • Bill 126: Changes on July 1, 2019
  • Pension eligibility
  • Basic pension calculation
  • Coordination with the QPP
  • Pension indexing
  • In the event of death
  • Service buyback

10 Successful Financial Strategies (1 hr)

  • How to turn your dreams to reality and achieve your goals
  • Protecting your plan and monitoring progress
  • How to strategically reduce your debts
  • How to cover your debts for less
  • Your marginal tax rate
  • Taking advantage of tax deferral
  • Savings plans: RRSP or TFSA?
  • How to truly diversify your portfolio
  • Don't have regrets: Plan for retirement

Building Your Financial Future: Key Points (1 hr)

  • Building a sound financial plan
  • Basic guidelines and taking stock
  • Assets and investments: RRSP of TFSA?
  • Retirement: RREGOP and PPMP
  • Marginal tax rate
  • Coverage in the event of unexpected situations
  • Action plan and strategies

Mid-Career Financial Security Planning session (3 hrs)

  • How to create a sound financial strategy
  • Legal aspects and their impact: Common-law partner or married?
  • Mortgage insurance: Better coverage for less
  • Life and health insurance: Do I really need them and if so, how much coverage should I get?
  • The marginal tax rate and tax strategies
  • The RREGOP and PPMP: Everything you need to know
  • The Quebec Pension Plan and Old Age Security
  • Savings plans and investments: RRSP or TFSA?
  • Personalized follow-up with your advisor to develop a strategy tailored to your needs.

Legal Aspects (1 hr)

  • Introduction to Quebec civil law
  • Will planning (will and legal heirs)
  • Mandate in anticipation of incapacity
  • Family property
  • Common law unions

Taxation (1 hr)

  • Marginal tax rate
  • Spousal RRSP
  • Retirement income splitting rules
  • RRSP or TFSA? Which product is right for you?

Investments (1 hr)

  • Returns, liquidity and risk
  • Types of returns: interest, dividends and capital gains
  • Types of investment options
  • The investor profile and portfolio diversification
  • Mutual funds and index accounts
  • Tips and strategies

RREGOP and PPMP (1 hr)

  • Your sources of retirement income
  • Bill 97 and 126: Changes on July 1, 2019
  • Pension eligibility
  • Basic pension calculation
  • Pension indexing
  • Service buyback

Health Savings: A valuable asset in the event of critical illness (1 hr)

  • Where you should rank health insurance in your financial security
  • The development of this type of coverage
  • Some statistics
  • Reflection on reality
  • Coverage characteristics
  • Simplified and extended coverage

Service delivery (1 hr)

  • Building your financial strategy: an overall approach
  • Life, health and disability insurance
  • Will and protection mandate
  • Sources of retirement income
  • Life expectancy and retirement age
  • Tax shelters
  • Your action plan

Does one of these subjects interest you, but does not appear on the schedule? Contact the advisor dedicated to your workplace for information and personalized answers.
 

Ask your employer if any seminars are currently available!

 

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La Capitale Client Promotion

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Call me today! It would be my pleasure to advise you.

Arnaud Foucard

 

Arnaud Foucard
Independent Representative
Financial Security Advisor*

image_icone_telephone  514 661-5754
image_icone_courriel  arnaud.foucard@lacapitale.com
image_icone_souris.png  arnaudfoucard.com

*Partner of La Capitale Financial Services inc., financial services firm

1. The premium refund of up to $100 is available for eligible clients, i.e. Quebec public administration and public service employees and their spouses. An eligible client is any person who holds La Capitale home, auto, leisure vehicle, life, health or travel insurance, savings or investments products, a mortgage loan, or is insured under a group insurance plan with La Capitale. The total annual premium of the new life insurance contract must be a minimum of $500. A cheque will be sent to the contractholder within the 60 days after the policy is issued. Some conditions apply.