Business Services

Finvest works more and more with managers of SMEs. We help these leaders deliver a range of benefits that will help them attract and retain key employees.

For employees, we can prepare an insurance program including supplemental health insurance, salary insurance and a group RRSP plan.

You would like to offer your employees the new retirement savings plan or VRSP, make an appointment with us without delay. It will be our pleasure to inform you.

How? 'Or' What ? How ? With whom ? More information

Recruiting and retaining competent employees is undoubtedly a major challenge for business leaders today.

Group insurance plans are one of the benefits sought by employees.

You can offer insurance plans:

  • Life insurance
  • Supplementary health insurance
  • Visual care
  • Dental care
  • Disability Insurance

The VRSP is a group retirement savings plan offered by the employer and administered by an authorized administrator. It is subject to the new law on voluntary retirement savings plans which will come into force on 1er juillet 2014.

  • We can help you understand and implement this new regime in your business.
  • How? 'Or' What ? How ? With whom ? In know more

The shareholders' agreement is a written agreement between all the shareholders of an incorporated company. It dictates all the rights, powers and obligations of shareholders among themselves and towards the company concerned. It is best to write this agreement when everyone involved has the best of intentions, which is before you start the business.

  • It allows you to anticipate several aspects of the life of the company:
  • Election of directors, voting rights and powers;
  • What will happen in the event of the death of a director;
  • What will happen in the event of a forced removal of a director;
  • What will happen in the event of a dispute?

If you have an employee who makes a significant contribution to the development of your business, key person insurance should be part of your strategy for maintaining operations and certainly part of your succession plan, especially if you are a small business owner. . Because it is about your potential survival.

  • Key Person Life Insurance and Key Person Disability Insurance can help you lessen the negative effects that accompany the permanent loss of such a person due to death or temporary or permanent disability.

The IPP was created for business owners and managers who earn at least $ 100,000 per year. It allows you to accumulate sums greater than the RRSP in preparation for retirement and is 100% deductible for the business. The IPP is immune from creditors. It can help you retain key people in your business.

  • After retirement, the sums continue to accumulate tax-free if the pension is paid out of the plan.

Transferring money to the IPP lowers shareholders 'equity, making it easier to sell the business in cases where shareholders' equity is high.

You've worked hard to grow your business, and you know how important it is to protect your investment and your loved ones. That’s why Business Loan Insurance is so important to you.

  • Loan insurance provides insurance for a business owner and / or a key person. You can purchase loan insurance in the event of death or disability.

In the event of an insured person's disability, this insurance will reduce, if not completely cover, the payments on your business loans.

In the event of death, it will pay the subscribed capital against the debts of the company.

Insurance products are offered through several general agents. Finvest distributes the insurance products of several insurance companies.

Guaranteed investments are offered through Investia Financial Services Inc. and / or several general agents.

Segregated fund products are offered through Investia Financial Services Inc. and / or several general agents. Subject to any guarantee applicable to the death benefit, any part of the premium, or any other sum allocated to a segregated fund, is invested at the risk of the policy holder and its value may increase or decrease according to fluctuations in value. market of the assets of the segregated fund.

Investing in a mutual fund may give rise to brokerage fees, trailing commissions, management fees and other expenses. Please read the prospectus before investing. Investments in mutual funds are not guaranteed, their values ​​fluctuate often and their past performance is not indicative of their performance in the future. Mutual funds are offered exclusively through mutual fund representatives registered with Investia Services Financiers Inc. (Investia), and Investia does not provide or distribute any advice or product other than that directly related to the sale of mutual funds. . If the representative provides or offers other advice or services, he must hold the necessary permits and deal with entities (other than Investia) duly registered with the competent authorities. Mutual fund products are offered through Investia Services Financiers Inc.