Services Financiers AG - Financial security advisor in Quebec.
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INVESTMENTS & ESTATE

Grow your wealth
and pass it on.

Segregated fund investments, RRSP, TFSA and estate planning. Alexandre builds a strategy aligned with your horizon, your risk tolerance and the transfer of your wealth.

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Regulator and partners
Autorité des marchés financiers - AMF
iA Groupe financier, partenaire de Services Financiers AG.
Cabinet MRa, partenaire de Services Financiers AG.
Autorité des marchés financiers - AMF
iA Groupe financier, partenaire de Services Financiers AG.
Cabinet MRa, partenaire de Services Financiers AG.
OUR APPROACH

An investment strategy
that fits you.

No generic product. Alexandre analyzes your goals, your tax situation and your timeline before recommending. You understand exactly where your money goes and why.

See our solutions
Horizon first
Your investments are chosen for your real timeline, not a standard grid.
Tax perspective
RRSP, TFSA and segregated funds arranged according to your tax situation, today and at death.
Annual follow-up
Review of your portfolio every year - at no extra cost.
Direct access
You talk directly to Alexandre. Quick reply.
OUR SOLUTIONS

Investments and wealth transfer

Protected growth

Segregated funds

Investments with capital protection at maturity or on death, depending on the contract terms. To invest while keeping part of the risk in check.

  • Capital protection per the contract
  • Built-in beneficiary designation
Tax-efficient savings

RRSP and TFSA

Grow your savings shielded from tax, under each plan's rules. Alexandre determines the right RRSP / TFSA mix based on your income and goals.

  • Tax deduction with the RRSP
  • Tax-free growth in the TFSA
Wealth

Participating life insurance

Permanent life insurance eligible for policyholder dividends, based on the results of iA's participating account. iA's dividend scale interest rate has been 6.35% since January 1, 2025; it can change and is not a guaranteed return.

  • Current iA dividend scale rate of 6.35%
  • Dividends not guaranteed
Transfer

Estate planning

Pass on your wealth in an orderly way. Beneficiary designation, liquidity on death and planning for the tax payable at death.

  • Possible transfer outside the estate
  • Liquidity at death for taxes and debts
GO FURTHER

Your registered plans

RRSP, TFSA and RESP let your savings grow sheltered from tax, each under its own rules. Alexandre determines the right mix based on your income and goals. Buying your first home? The FHSA combines the RRSP and TFSA advantages, as explained in our FHSA article.

RRSP

Reduce your tax today and grow your savings tax-sheltered until retirement.

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TFSA

Grow your savings tax-free and withdraw whenever you want, with no tax.

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RESP

Save for your children's education with help from the federal and Quebec grants.

Learn more
WHY ALEXANDRE

Why entrust your investments
to Alexandre?

Alexandre analyzes your overall situation - income, taxes, family, goals - before recommending anything. A clear strategy, explained simply, reviewed every year.

Learn more about our approach
Tailored strategy
Your investments reflect your horizon and risk tolerance, not a standard grid.
Tax vision
RRSP, TFSA and segregated funds arranged according to your tax situation - today and at death.
Annual follow-up
Review of your portfolio every year - at no extra cost.
Alexandre Garneau, Financial Security Advisor - Services Financiers AG
FAQ

Your questions about investments

What is a segregated fund?
A segregated fund is an investment offered by an insurer, with capital protection at maturity or on death depending on the contract terms. It combines growth potential with risk control and lets you designate a beneficiary directly.
RRSP or TFSA: which one first?
It depends on your income and goals. The RRSP reduces your tax today and often suits higher incomes. The TFSA offers tax-free growth and great withdrawal flexibility. Alexandre sets the right mix with you during the needs analysis.
Is the return on my investments guaranteed?
No return is promised: an investment's value varies with the markets. Some products, such as segregated funds, do offer capital protection under the contract terms. Alexandre clearly explains the risk level of each solution before you decide.
How do investments help with estate planning?
Several vehicles let you designate a beneficiary and, in some cases, transfer amounts outside the estate, often faster. Well structured, they can help plan for the tax payable at death and provide liquidity for your loved ones. Confirm with your notary or accountant.
How much do I need to start investing?
There's no single amount. What matters is building a strategy consistent with your situation and adjusting it over time. A first conversation with Alexandre defines a realistic plan, whatever the starting point.
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FREE ANALYSIS

Let's build your strategy together.

No obligation, directly with Alexandre, Financial Security Advisor, AMF certificate no. 272275. The analysis is free for you. It may lead to a product recommendation; if you buy, Alexandre is paid a commission by the insurer.

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AMF certificate no. 272275 · iA Financial Group

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