ABOUT US
Located in the heart of Montreal, RONSURANCE INC has been helping people build their financial security since 1991. Our firm has won several industry awards. Our goal is to provide you with excellent, high quality service. We work with you to build your financial foundation and our recommendations are always based on what we believe is in your best interest.
Client consultations are arranged by appointment only. Early morning, afternoon and evening meetings are provided to accommodate your busy schedules.
Investment management services fees are based on a percent of the assets managed.
YOUR ADVISOR
Ronald Sayegh, ABA, BBA is a licensed Financial Security Advisor, and has worked in the industry
since 1988.
He is a member of the ''Autorité des marchés financiers'' and the Chambre de la Securité Financière. These associations grant membership only after approving the work of professionals demonstrating expertise in comprehensive financial security field. Also, they are strict to have members
to continue their academic pursuit in industry related subjects.
Ronald has earned his University degrees in London, England, a renowned financial centers and a benchmark of professionals in the investment field. His ongoing education in Canada in life and health insurance, mutual and segregated funds, businesses, has greatly added to his wealth of financial knowledge.
OUR SERVICES
With over 30 years of experience in the financial and investment field.
Ronsurance can help among a large spectrum of financial challenges such as:
- Insurance ( Life, health, salary, group, business, partnership, mortgage, Travel ).
- Financial Services ( RRSP, RRIF, TFSA, RESP, Annuities, Mutual Funds, Segregated Funds ).
- Comprehensive Financial Needs Analysis ( Retirement and college savings, disability and life insurance, estate planning needs ).
- Retirement Planning.
- Projects.
- Consultation.
- Long-term ongoing service.
FREQUENTLY ASKED QUESTIONS
1Can I retire at age 60 with the amounts I have in my RRSPs and brokerage account ? Will I have to increase the amount i'm saving each year now ?
Many clients ask these questions. A retirement projection and analysis can provide you with the answers for your situation and explore your alternatives. Perhaps you choose to work part-time after retiring at age 60 as some of our clients have. Or, perhaps you'll purchase a second home in Florida, as one fun-loving couple chose to do recently.
2We have investments scattered here and there, but we can't watch them like we should. How can we do better ?
Many choose our investment management services to develop and monitor a balanced, diversified investment portfolio. Most clients don't have the time, knowledge, or desire to tackle that task. We'll review all your investment accounts: RRSP, RRIF annuities, TFSA and taxable accounts. We'll develop an investment plan to determine which specific investments are appropriate to retain, and what investments should be purchased to upgrade the quality of investments and increase diversification. We use a no-load, segregated and regular mutual funds to avoid hefty load expenses. Your investment plan considers tax consequences of any proposed sales, and any fees for consolidating or moving accounts. We feel it's important for you to know and approve all aspects of your investment plan.
3I just turned 71-and-a-half. Do I need to do something with my RRSPs ?
Retiring is no longer a simple phase of life. Many retired clients choose a long-term, on-going relationship with us to handle the details, freeing them to enjoy this time in their lives. Yes, at 71-and-a-half you do need to setup your RRSPs to become RRiFs or purchase annuities. Your estate plan may affect these decisions as well. We work with clients to see what's best for them.
4We're worried about what will happen to our children and our assets if something happens to us. What should we do ?
Clients often are wise to prepare for the ''If something happens'' scenario. Based on the size of your estate, we'll discuss different alternatives you may want to pursue. In addition, we'll help you prepare your estate assets and debts report to ensure your time with your estate planning attorney is most productive.
5I've finally retired. Where do I withdraw money from first ? My RRSPs, annuity, or brokerage account ? How much can I safely take out each year ? I wouldn't want to run out of money.
Drawdown strategies during retirement are important. By properly prioritizing which accounts you to draw from first, second, etc., clients are able to minimize their taxes and maximize their wealth. You'll also want to consider your estate plans to avoid leaving heirs assets that will be heavily taxed. Our drawdown analysis can help you determine how much to withdraw annually. Withdrawing too much can leave you without funds late in life. Too little can deny you the pleasures you deserve.
6How much do you charge for your services ?
For financial planning services, the hourly rate is applied to consultation meetings and one-time projects, based on time. For example, the charge for a 1-hour consultation meeting is 1 times our hourly rate. Investment management services are calculated as a percentage of the dollar value of the assets, or investments being managed.
7How much is this going to cost ?
We'll provide an estimate following your initial consultation meeting on the services you're interested in. It's your right to know, upfront, how much any financial analysis or investment service will cost, before you make a decision to spend your dollars.
8I've decided I want help. What's the best way to get started ?
Simply call us at (514) 332-2223, describe the issues you'd like help with and make an appointment. We'll ask you to bring in relevant financial documents for review. If we can't help you with a specific item, we'll let you know upfront to save your time and ours.
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