Services
We listen in order to understand your priorities,
to make a diagnosis, develop an action plan, and offer you custom solutions.
Build
Creating wealth. Looking ahead to create short-, medium- and long-term plans and objectives. Entering the job market. Starting a family. Starting your own business. Saving for a home, children’s education and retirement.
Protect
Managing risks. Protecting you against the financial impact of death, health (e.g. illness, disability or loss of autonomy), income-earning capability, stock markets, inflation, etc.
Leave a legacy
Arranging a transfer of your personal and business assets in the event of your death that is true to your wishes. Planning to minimize estate taxes.
INSURANCE
How would your death or the diagnosis of a critical illness financially impact your family situation and your loved ones? What are the differences between personal life insurance and mortgage insurance offered by your financial institution?
We analyze financial losses caused by death, disability or critical illness and help manage these financial risks through insurance.
Learn more
- Life insurance: Covers death-related expenses (e.g. mortgage balance repayment). Protect your family or business income. Leave an inheritance.
- Medical and dental insurance: Protect against health care expenses in the absence of group benefits or to supplement their coverage.
- Disability insurance: Protect personal or business income. Reimburse business expenses or fund a buy-sell agreement in the event of disability.
- Critical illness insurance: Protect your lifestyle, retirement savings or reimburse business expenses in the event of a disabling illness.
- Long-term care insurance: To meet future health care needs and reduce the financial burden associated with a loss of independence.
- Travel insurance: Protect yourself against unexpected travel expenses such as emergency medical care.
SAVINGS
What are your plans for the short and medium term? How do you imagine retirement? Do you have a budget and savings plan to get there?
We’ll help you better plan and manage your cash and savings. We’ll look into how best to take out and prioritize certain plans in order to optimize performance and taxation.
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- RESP – Registered Education Savings Plan
- TFSA – Tax-Free Savings Account
- RDSP – Registered Disability Savings Plan
- RRSP – Registered Retirement Savings Plan
- LIRA – Locked-in Retirement Account
- RRIF – Registered Retirement Income Fund
- LIF – Life Income Fund
- IPP – Individual Pension Plan
INVESTMENTS
What type of investment is right? What’s the best asset allocation? How do you optimize the portfolio’s risk/return?
We offer a diversified range of financial products to meet your needs (e.g. mutual funds*, segregated funds, guaranteed investments, banking products, annuities, private management). Risk management is at the heart of our recommendations. We focus on solutions that provide the best prospects for return, adjusted to your risk tolerance.
*Via MICA Capital inc.
TAXATION
How do the types of investment income generated by your portfolio affect its actual after-tax return?
Minimizing your tax burden or that of your company, particularly income tax, is a priority in our approach to wealth management.
ESTATE
How will your loved ones feel when you die? Poor planning can make estate management cumbersome and complex.
We’ll help you set up the necessary tools for a tax-efficient transfer of your personal and business assets, always in keeping with your values and wishes.
LOANS
Are you an individual or a business looking for access to competitively priced loans?
We can refer you to independent experts to assist you in debt consolidation, refinancing, or obtaining a mortgage or commercial loan.
Our Independence
Our independence from the solutions we recommend is part of our distinctive approach to financial services. MICA Financial Services Inc. and MICA Capital Inc. give us access to leading Canadian insurance companies and global asset managers. This allows us to offer a wide range of competitive solutions that best meet your needs.
Our customers
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Families
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Professionals
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Self-Employed Workers
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Public Service Employees
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Retirees
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Small and Medium Businesses
Contact Us
7900 Pierre-Bertrand Blvd.,
Suite 300 Quebec City, Quebec G2J 0C5
melanie@pelletiergp.com
Tel: 418 622-6422 #215
Cell: 418 570-4046