Retirement / RRSP / Pension

Creating a comfortable future

Schmunk Gatt Smith & Associates is a leading Segregated Funds provider through Manulife’s Income Plus, and Empire Life’s Class Funds .

These funds guarantee minimum returns of 5% per year in the accumulation phase.

Keeping you in the black.

If the market returns greater than 5%, that extra percentage is also added to your account on each third year anniversary. Negative market returns will never produce negative returns under these plans.

When the account is converted at age 65, income is guaranteed for the life of the individual, regardless of what the market returns. Planning to retire early? Options are available for age 55 at reduced withdrawal rates.

Contact us today to find out more details about this excellent coverage.