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Category - Client Account Opening

Articles

Open New Account(s) / New Relationship
Definition 
Open accounts for a brand new client.
 e.g., “Please open a TFSA, RRSP, and non-registered account for new client John Doe.” Process 
Information upload and accuracy check Timeline 
5–7 business days What You Need to Know
 Timeline is directly related to completeness and accuracy of the initial documents.
New Client Identification
CFG and National Bank Independent Network (NBIN) requires clients to provide two forms of identification to comply with regulatory standards and anti-money laundering laws.​ Primary Identification Requirements NBIN mandates that clients present a valid, government-issued photo ID. Acceptable forms include:​ These documents must be original, valid (not expired), and in good condition. If your name […]

Sub Categories

Open New Account(s) / New Relationship
Definition 
Open accounts for a brand new client.
 e.g., “Please open a TFSA, RRSP, and non-registered account for new client John Doe.” Process 
Information upload and accuracy check Timeline 
5–7 business days What You Need to Know
 Timeline is directly related to completeness and accuracy of the initial documents.
Open New Account(s)/Existing Relationship
Definition: Open a new account for an existing client who already has accounts at Croft. Process 
Standard new account setup through existing profile Timeline Cut-off time is 3 PM EST. Processing takes 1–2 business days if submitted on time. What You Need to Know Be sure to confirm if any updates to existing KYC or […]
Account Type Selection
At CFG, selecting the appropriate account type is a critical part of the overall wealth management process. As a discretionary Portfolio Manager, we take full responsibility for the ongoing management of client portfolios, and we work in close collaboration with clients and their financial advisors, accountants, and legal professionals to ensure that each account structure […]
Cash Accounts
Simple, non-leveraged investment accounts used for buying and selling securities. Clients cannot borrow to purchase securities in these accounts. Cash Account (CAD) Cash Account (USD)
Margin Accounts
Investment accounts that allow clients to borrow against existing assets to increase buying power. This introduces additional risk and requires margin compliance.Important Note: At CFG, we do not trade on margin as a standard practice. However, margin accounts may be required or utilized in specific scenarios: Margin Account (CAD) Margin Account (USD) Joint Margin CAD
Registered Accounts
Government-sponsored plans designed to support retirement and home ownership. Offer tax deferral or deduction benefits, but come with contribution limits, withdrawal rules, and locked-in features. FHSA (First Home Savings Account) LIRA (Locked-In Retirement Account) LRSP / RLSP (Locked-in RRSP / Restricted LSP) RSP (Registered Retirement Savings Plan) Spousal RSP
Tax-Free & Education Accounts
 TFSA (Tax-Free Savings Account) FHSA (First Home Savings Account) RESP (Registered Education Savings Plan) RDSP (Registered Disability Savings Plan)
Corporate & Trust Accounts
Corporate Account ITF CAD (In Trust For)
Retirement Income Accounts
Used when clients begin drawing income from retirement savings. LIF (Life Income Fund) RLIF (Restricted Life Income Fund) LRIF (Locked-In Retirement Income Fund) PRIF (Prescribed RIF) RIF (Registered Retirement Income Fund) Spousal RIF