Financial advisors
Desjardins has all the necessary expertise to accompany you in your financial life.
- More than $172 B in assets under management
- Holder of the "Bank of the year 2010 – Canada" title, awarded by the renowned The Banker magazine from London
- 20th in the 2011 classification of the 50 safest financial institutions in the world
You've come a long way. To keep going, trust Desjardins specialists.
Desjardins is the largest group of financial experts in Quebec:
- Over 1,200 financial advisors
- 330 investment advisors1
- 300 financial security advisors2 are at your service
Do you have a demanding job and a busy personal life? Need more time to manage your finances?
The Desjardins Financial Plan
The Desjardins Financial Plan is a tool designed for you with your advisor, to help you carry out your projects.
It includes:
- customized analysis by your advisor
- made-to-measure strategies, advice and recommendations
- a complete action plan and schedule
- rigorous follow-ups by your advisor
- Gilles Drouin, 55 years old
- Civil engineer
- Annual personal income: $107,000
- Partnered, with 3 children, including 1 still at home
"My strategies are clear and identified. I don't much like finance. I don't understand much about it. What I want is a comfortable retirement, while continuing to be able to help the kids out.
The advisor at the caisse listened carefully. He gave me an itinerary to follow, with steps and targets. It fits my requirements perfectly."
What are your priorities?
Save for retirement
- Calculate how much you'll need to reach your goals
- Increase your savings potential
- Optimize your RRSP, TFSA and non-registered accounts
- Take advantage of investment tax strategies
Manage your retirement income
- Evaluate your needs
- Consider the options: annuities, RRIFs or others
- Withdraw from your RRSP at the right time
- Choose the most tax-efficient solutions
Save income taxes
- Reduce your taxes, even if you already contribute your maximum to your RRSP
- Maximise your deductions
- Split your income with your family members
- Cash damming (for business owners)
Lower your debt
- Consolidate your mortgages, car loans and personal loans
- Get lower rates
- Adjust your budget to pay your debts more quickly
Finance your children's or grandchildren's education
- Set up an education savings account to help them go far in life
- Put it in a tax shelter
- Get government grants
Buy an asset or plan a project
- Carry out a project
- Get a clear and realistic idea of costs
- Deal with unforeseen difficulties
Review your insurance coverage3
- Protect your family and assets
- Meet your financial obligations even if a disability keeps you from working
- Get enough coverage in the event of critical illness
Plan your estate4
- Get advice for making or reviewing your will and mandate in case of incapacity
- Make sure your loved ones have peace of mind
- Decrease the risks of family conflict
- Lucia Natale, 46 years old
- Physiotherapist
- Annual personal income: $80,000
- Divorced, 2 children at home
"My advisor took the time to analyze my situation, my needs and my personal goals. We developed my Financial Plan together.
I have certain amounts to save. Investments to convert at maturity. A schedule. It's simple and it will help me reach my goals."
3. These services are offered by Desjardins Financial Security and Desjardins General Insurance.
4. Some services are offered in collaboration with other Desjardins experts.
- Larry Baker, 47 years old
- Marketing manager, MBA
- Personal annual income: $115,000
- Partnered, 2 young children
- Assets to invest: $175,000
No time for your investments
Larry holds a demanding position and would like to strike a better balance between his personal and professional life.
He has good financial knowledge, but lacks the time needed to efficiently manage his investments.
He has a relatively high tolerance to risk and wants to invest in growth securities. He can afford to do so, particularly as he is still 15 years from retirement.
I'm doing business with a pro!
"My financial advisor introduced me to a Desjardins Securities5 investment advisor.
He's a stock market expert, so I can benefit from his knowledge and his analytical capability with regards to the economy.
He gives me advice that really fits with my investor profile. I can totally trust him."
5. Desjardins Securities is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF).
- Luc Dallaire, 45 years old
- Accountant
- Personal annual income: $100,000
- Partnered, 2 children at home
Don't burden your loved ones
Luc recently lost his father. Shaken, not only did he have to make funeral arrangements, but he had to act as liquidator.
He got together the necessary administrative documents, contacted government ministries and agencies and took inventory of the deceased's property.
In no way does Luc want to burden his family with such a difficult task when he passes away.
I put my affairs in order
"My financial advisor drew my attention to certain aspects I hadn't thought of before. He encouraged me, among other things, to write up a mandate in case of incapacity.
To cover my overall needs, he put me in touch with other specialists: a tax expert, a notary and a financial security advisor.
The Desjardins team can address critical issues in a friendly and respectful manner.
Today, I have a complete action plan that will spare my loved ones many troubles. I now have peace of mind."
- Julie Roy, 32 years old
- Dentist
- Personal annual income: $125,000
- Partnered, 1 young child
Get a good start
Julie, who has been working for 5 years, just purchased the dental office of a retiring colleague.
She would like to reduce her taxes in order to increase her savings potential.
She has an RRSP and a TFSA and already contributes the maximum allowed.
She also has a non-registered account and can tolerate a certain level of risk.
Finally, some answers!
"Because I am a professional businesswoman (non incorporated), my financial advisor suggested using the cash-damming technique. This way, I can convert non-deductible interest from my personal debt into interest I can deduct from my business income.
He also told me about Capital régional et coopératif Desjardins shares, which I didn't know about. It's a good way to get a 50% tax credit.
My financial advisor didn't just resolve my tax matters. He also recommended reassessing my insurance coverage, since I am now a business owner.
Desjardins speaks to me."
- Investment advisors are Desjardins Securities employees. Desjardins Securities is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF).
- Financial security advisors are employees of Desjardins Financial Security, Financial Services Firm.