{"id":7534,"date":"2021-03-01T16:48:42","date_gmt":"2021-03-01T20:48:42","guid":{"rendered":"https:\/\/finvest.ca\/?page_id=7534"},"modified":"2026-02-23T22:28:35","modified_gmt":"2026-02-24T02:28:35","slug":"planification-fiscale-et-successorale","status":"publish","type":"page","link":"https:\/\/finvest.ca\/en\/planification-fiscale-et-successorale\/","title":{"rendered":"Tax and Estate Planning"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #ffffff;background-position: center center;background-repeat: no-repeat;box-shadow: 10px 0px 0px ;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><style type=\"text\/css\">@media only screen and (max-width:1000px) {.fusion-title.fusion-title-1{margin-top:0px!important; margin-right:0px!important;margin-bottom:30px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-1{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:0px;margin-right:0px;margin-bottom:30px;margin-left:0px;\"><h3 class=\"title-heading-left\" style=\"margin:0;\">Tax and Estate Planning<\/h3><\/div><div class=\"fusion-text fusion-text-1\"><h4>Everyone finds it normal to pay their fair share of taxes. But why pay more because you are unaware of the existence of certain tax vehicles at your fingertips?<\/h4>\n<p>At Finvest, we have surrounded ourselves with seasoned professionals in the tax and estate field.<br \/>\nWe are able to prepare a tax strategy for you that maximizes the use of existing tax shelters.<br \/>\nYou are wondering about family trusts. What will happen in the future with this type of trust? You have a disabled child. There are savings plans that will help when you're gone.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:2;margin-top:30px;margin-bottom:30px;width:100%;\"><div class=\"fusion-separator-border sep-shadow\" style=\"background:radial-gradient(ellipse at 50% -50% , #c5a458 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-webkit-radial-gradient(ellipse at 50% -50% , #c5a458 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-moz-radial-gradient(ellipse at 50% -50% , #c5a458 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-o-radial-gradient(ellipse at 50% -50% , #c5a458 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);\"><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1000px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #ffffff;background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-tabs fusion-tabs-1 clean vertical-tabs icon-position-left\"><style type=\"text\/css\">#wrapper .fusion-tabs.fusion-tabs-1.clean .nav-tabs li a.tab-link{border-color:#c5a458;}.fusion-tabs.fusion-tabs-1 .nav-tabs li a.tab-link{background-color:#0d1422;}.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link,.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link:hover,.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a.tab-link:focus{background-color:#c5a458;}.fusion-tabs.fusion-tabs-1 .nav-tabs li a:hover{background-color:#c5a458;border-top-color:#c5a458;}.fusion-tabs.fusion-tabs-1 .tab-pane{background-color:#c5a458;}.fusion-tabs.fusion-tabs-1 .nav,.fusion-tabs.fusion-tabs-1 .nav-tabs,.fusion-tabs.fusion-tabs-1 .tab-content .tab-pane{border-color:#c5a458;}<\/style><div class=\"nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-27a0e4ee8d3d5072dc5\" aria-selected=\"true\" id=\"fusion-tab-abrisfiscal\" href=\"#tab-27a0e4ee8d3d5072dc5\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Tax Shelters<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-164db9920654fb881fb\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-gelsuccessoral\" href=\"#tab-164db9920654fb881fb\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Estate freeze<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-c925d50b9b085f39841\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-fiduciefamiliale\/testamentaire\" href=\"#tab-c925d50b9b085f39841\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Family \/ testamentary trust<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-content\"><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-27a0e4ee8d3d5072dc5\" aria-selected=\"true\" id=\"mobile-fusion-tab-abrisfiscal\" href=\"#tab-27a0e4ee8d3d5072dc5\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Tax Shelters<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix in active\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-abrisfiscal\" id=\"tab-27a0e4ee8d3d5072dc5\">\n<p>Tax shelters are defined in the\u00a0<i>Income tax law<\/i>. In very general terms, a tax shelter can be a gift arrangement or the acquisition of a property that is presented to the buyer or donor in such a way that the tax benefits and deductions arising from that arrangement or acquisition. appear to be equal to or greater than the net cost of entering into this arrangement or acquiring this property. Likewise, a gift arrangement, where the donor assumes a limited recourse debt in relation to the gift, constitutes a tax shelter. Typically, with limited recourse debt, the borrower does not have to worry about repayment.<\/p>\n<ul style=\"list-style-type: square;\">\n<li class=\"fancy-text\">Some tax shelters are offered to investors by tricking them into believing that the tax benefits will equal or exceed the net cost of the proceeds from those tax shelters.<\/li>\n<\/ul>\n<p><strong>Before subscribing to a tax shelter, consult us. We will make sure that this shelter has a registration number duly issued by the Canada Revenue Agency and especially that you are truly eligible.<\/strong><\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-164db9920654fb881fb\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-gelsuccessoral\" href=\"#tab-164db9920654fb881fb\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Estate freeze<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-gelsuccessoral\" id=\"tab-164db9920654fb881fb\">\n<p>Canadian tax laws provide that a taxpayer is deemed to have transferred all of his assets at fair market value (FMV) immediately before his death. This law can create a large tax debt in the year of death, thus reducing the estate intended for heirs.Canadian tax laws provide that a taxpayer is deemed to have transferred all his assets at their fair market value (FMV) immediately before his death. This law can create a large tax debt in the year of death, thus reducing the estate intended for heirs.<\/p>\n<p>Estate freeze is a technique used to freeze the value of a person's interest in a business and pass the future appreciation of the business to another person while retaining control of the business.<\/p>\n<ul style=\"list-style-type: square;\">\n<li class=\"fancy-text\">This technique allows a small business owner to pass effective control over to his or her successor (s) (children, key employee) without having to pay capital gains tax immediately.<\/li>\n<\/ul>\n<p>This technique, permitted by section 86 of the Tax Act, allows a restructuring of the capital of a small business without incurring short-term capital gains taxes.<\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-c925d50b9b085f39841\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-fiduciefamiliale\/testamentaire\" href=\"#tab-c925d50b9b085f39841\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-caret-right fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Family \/ testamentary trust<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-fiduciefamiliale\/testamentaire\" id=\"tab-c925d50b9b085f39841\">\n<p>The family trust is a tax measure that can provide many benefits to taxpayers, especially wealthy ones, who opt for this tax measure.<\/p>\n<ul style=\"list-style-type: square;\">\n<li class=\"fancy-text\">From the outset, a family trust helps ensure the stability of the capital accumulated over the course of a lifetime. The trust is a privileged tool for bequeathing money to heirs too young to administer it well.<\/li>\n<\/ul>\n<p>Trusts also allow for income splitting within a family. A businessman can use this method and thus distribute his income with his wife and children to avoid being the only one to be taxed on this income. In fact, the amount of tax paid should be lower.<\/p>\n<p>Trusts avoid paying tax on a large capital gain on the death of a wealthy individual. The same gain will not be taxed if the asset is in a trust, because a trust never dies.<\/p>\n<p>Contrary to popular belief, trusts must pay tax on their earnings. They are taxed every 21 years on their capital gains according to tax regulations.<\/p>\n<\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-1{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1000px) {.fusion-body .fusion-builder-column-1{width:100% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-2{ padding-top : 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0px;margin-bottom : -50px;padding-left : 0px;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #0d1422;background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-tabs fusion-tabs-2 clean horizontal-tabs icon-position-left\"><style type=\"text\/css\">#wrapper .fusion-tabs.fusion-tabs-2.clean .nav-tabs li a.tab-link{border-color:rgba(255,255,255,0);}.fusion-tabs.fusion-tabs-2 .nav-tabs li a.tab-link{background-color:#0f1523;}.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link,.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link:hover,.fusion-tabs.fusion-tabs-2 .nav-tabs li.active a.tab-link:focus{background-color:rgba(255,255,255,0.25);}.fusion-tabs.fusion-tabs-2 .nav-tabs li a:hover{background-color:rgba(255,255,255,0.25);border-top-color:rgba(255,255,255,0.25);}.fusion-tabs.fusion-tabs-2 .tab-pane{background-color:rgba(255,255,255,0.25);}.fusion-tabs.fusion-tabs-2 .nav,.fusion-tabs.fusion-tabs-2 .nav-tabs,.fusion-tabs.fusion-tabs-2 .tab-content .tab-pane{border-color:rgba(255,255,255,0);}<\/style><div class=\"nav\"><ul class=\"nav-tabs nav-justified\" role=\"tablist\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-6643b30e540b935dac9\" aria-selected=\"true\" id=\"fusion-tab-assurance\" href=\"#tab-6643b30e540b935dac9\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Insurance<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-e8b96fbbf3868b6b0b4\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-placementsgarantis\" href=\"#tab-e8b96fbbf3868b6b0b4\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Guaranteed investments<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-1126214c80b4e8b215d\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-fondsdistinct\" href=\"#tab-1126214c80b4e8b215d\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Segregated fund<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-46cfff785f7453b2c7e\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-fondsmutuels\" href=\"#tab-46cfff785f7453b2c7e\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Mutual funds<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-content\"><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-6643b30e540b935dac9\" aria-selected=\"true\" id=\"mobile-fusion-tab-assurance\" href=\"#tab-6643b30e540b935dac9\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Insurance<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix in active\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-assurance\" id=\"tab-6643b30e540b935dac9\">\n<p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Insurance products are offered through several general agents. Finvest distributes the insurance products of several insurance companies.<\/span><\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-e8b96fbbf3868b6b0b4\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-placementsgarantis\" href=\"#tab-e8b96fbbf3868b6b0b4\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Guaranteed investments<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-placementsgarantis\" id=\"tab-e8b96fbbf3868b6b0b4\">\n<p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Guaranteed investments are offered through Investia Financial Services Inc. and \/ or several general agents.<\/span><\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-1126214c80b4e8b215d\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-fondsdistinct\" href=\"#tab-1126214c80b4e8b215d\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Segregated fund<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-fondsdistinct\" id=\"tab-1126214c80b4e8b215d\">\n<p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">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.<\/span><\/p>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-46cfff785f7453b2c7e\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-fondsmutuels\" href=\"#tab-46cfff785f7453b2c7e\"><h4 class=\"fusion-tab-heading\"><i class=\"fontawesome-icon fa-info-circle fas\" aria-hidden=\"true\" style=\"font-size:13px;\"><\/i>Mutual funds<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-fondsmutuels\" id=\"tab-46cfff785f7453b2c7e\">\n<section id=\"top-bottom\"><small>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 \u200b\u200bfluctuate 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.<\/small><\/section>\n<section id=\"bottom\">\n<div class=\"bottom_inner\">\n<div class=\"one_third\">\n<aside id=\"text-2\" class=\"widget widget_text\">\n<div class=\"textwidget\"><\/div>\n<\/aside>\n<\/div>\n<\/div>\n<\/section>\n<\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-3{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-3 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1000px) {.fusion-body .fusion-builder-column-3{width:100% !important;order : 0;}.fusion-builder-column-3 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-3{width:100% !important;order : 0;}.fusion-builder-column-3 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-4{ padding-top : 80px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : -100px;padding-left : 0px;}<\/style><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-7534","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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