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Retirement Planning with Grant Hicks
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 Grant
Hicks, C.I.M., FCSI is a professional speaker, co-author and
a Retirement Planning Specialist A leader in
the financial industry, Grant has been helping Vancouver
Island residents plan and create their retirement lifestyles
since 1989. |
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Shopping For GICs? Get a Specialist
With more financial products and
salespeople than ever before, it can be difficult to
know where to turn to for GICs and other guaranteed
investments. Why not choose a specialist who offers
it all and charges no fees?
A deposit broker is a financial
professional who specializes in guaranteed
investment products such as GICs, term deposits,
RRSPs, RRIFs and LIFs.
Here’s what a deposit broker offers:
Top rates. Deposit brokers
monitor interest rates and available products on a
daily basis to help you get the best possible
returns from a wide range of deposit instruments.
Because product availability, demand, and volumes
vary daily with each financial institution, new
opportunities for better rates are constantly being
created.
Typically, a deposit broker can find
you rates that are better than the retail
bank-posted rates. That can earn you hundreds of
dollars more – without the slightest increase in
risk.
Convenience. A deposit broker
saves you time and effort, serving as a one-stop
shopping
centre for all your guaranteed
investment needs. A deposit broker always has access
to the terms and payment options that suit your
needs. Your deposit broker will get you the right
registration (jointly with your spouse, for example)
and guide you on insurance limits.
They are often qualified to handle
many of your other financial planning needs such as
insurance, as well. No cost to you. With GICs and
other guaranteed investments you pay no fees or
commissions to deposit brokers. This ensures you
receive unbiased advice and recommendations, and
that your best interests always come first.
Deposit brokers can give you the best
rates, for free, because they have access to the
large-volume selections available through the vast
network of financial institutions. The institutions
pay them a finder’s fee, which means you don’t have
to.
And there’s more.
All of the deposit institutions
represented by the broker are members of CDIC,
Assuris or a provincial deposit insurance
organization, so you also enjoy the peace of mind
that comes with knowing your money can be protected,
within their insurance limits.
With deposit brokers who are
registered members of the RDBA Registered Deposit
Brokers Association of Canada, you can take extra
comfort knowing that they are committed to the
highest standards of service and subscribe to a code
of ethics.
Make your life easier and your
savings work harder. Get a GIC broker specialist.
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