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A financial security advisor 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

Mortgages (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

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 investments
  • 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

Critical Illnesses (1 hr)

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

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.
 

All sessions and seminars are available in French only.

 

Promotions

Life and Health Insurance

La Capitale Client Promotion

Contact us

Call us today! It would be our pleasure to advise you.

Commission scolaire de Montréal

Majd Kerio
Majd Kerio
Independent Representative
Financial Security Advisor*
Mutual Funds Representative**

 

image_icone_telephone  514 282-3266
image_icone_courriel  majd.kerio@lacapitale.com
image_icone_souris.png  majdkerio.com

Stéphanie Globensky
Stéphanie Globensky
Independent Representative
Financial Security Advisor*
Mutual Funds Reprensentative**

 

image_icone_telephone  514 282-3273
image_icone_courriel  stephanie.globensky@lacapitale.com
image_icone_souris.png  stephanieglobensky.com

Commission scolaire Pointe-de-l'Île

Maryse Dionne
Maryse Dionne, BSc, F. Pl.
Independent Representative
Financial Security Advisor*
Mutual Funds Representative**

 

image_icone_telephone  1 866 665-0500, b. voc. 23274
image_icone_courriel  maryse.dionne@lacapitale.com
image_icone_souris.png  marysedionne.com

BUSSIERES_Andreanne.png
Andréane Bussières, BBA
Independent Representative
Financial Security Advisor*
Mutual Funds Reprensentative**

 

image_icone_telephone  514 282-5370
image_icone_courriel  andreane.bussieres@lacapitale.com
image_icone_souris.png  andreanebussieres.com

Commission scolaire Marguerite-Bourgeoys

Mario Abi Nasr

 

Mario Abi Nasr
Independent Representative
Financial Security Advisor*
Mutual Funds Representative**

image_icone_telephone  514 787-4508
image_icone_courriel  mario.abi-nasr@lacapitale.com
image_icone_souris.png  mario-abinasr.com

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