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 […]

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)

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

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

 TFSA (Tax-Free Savings Account) FHSA (First Home Savings Account) RESP (Registered Education Savings Plan) RDSP (Registered Disability Savings Plan)

Corporate Account ITF CAD (In Trust For)

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