Contact a Planner • Victoria (250)412-3499 or Email • Salt Spring Island (250)537-9499 or Email


Account types

  • Fee-based Investment Accounts
  • Commission-based Investment Accounts
  • Corporate Investment Accounts
  • Registered Education Savings Plans (RESPs)
  • Registered Retirement Savings Plans (RRSPs)
  • Tax-Free Savings Accounts (TFSAs)
  • Registered Retirement Income Funds (RRIFs)
  • Life Income Funds (LIFs)
  • Locked-In Retirement Accounts (LIRAs)
  • Locked-In RRSPs
  • Individual Pension Plans (IPPs)
  • Registered Disability Savings Plans (RDSPs)

Investment product types

  • Stocks
  • Exchange Traded Funds (ETFs)
  • Mutual Funds
  • Flow-Through Limited Partnerships (About FTLPs)
  • Investment Loans
  • Life-cycle Investing
  • Protected Notes & Market Linked GICs
  • Structured Notes
  • GICs
  • Tax-Advantaged Investments
  • Preferred Shares
  • Hedge Funds & Alternative Investments
  • Liquid Alternatives
  • Responsible Investing Through ESG Screening
  • Managed Accounts

Below are examples of the strategies and concepts which
Island Choice Wealth Planners can use to help you achieve your goals.
Insurance products & services provided by Island Choice Insurance Brokers.

Portfolio Management

With Optimize Wealth & Island Choice Wealth Planners you have access to pension style asset classes like private equity and real estate.

Every client portfolio is viewed differently and uniquely. We structure our portfolios based on your particular needs and objectives. We factor in variables such as your time horizon, risk tolerance, return objectives, tax situation, company stock plans, and legacy positions.

Read More

Funded Retirement

A holding company can be the best place for a business owner to save for retirement.  Both investments and life insurance can provide tax-deferred growth and tax-advantaged or tax-free income in retirement.
Read More

Residential Real Estate Strategy

Seeking long-term growth potential, portfolio diversification, and ongoing monthly income? 

Read More About our Residential Real Estate Strategy

Insured Retirement Programs

These are designed to provide tax free growth, tax free cash flow in retirement, and a tax-free estate.

Flow-Through Limited Partnerships

Flow-Though Limited Partnerships (FTLPs) - These investments typically provide 100% income tax deduction, and sometimes a provincial credit. FTLPs can be used to reduce taxable income. Retirees can also reduce or eliminate Old Age Security (OAS) clawbacks.
External LinkCRA Info on FTLPs

Replacement Strategy*

Replacing the fixed income portion of your portfolio with participating whole life insurance can provide better returns and defer tax for decades. 


Is your mortgage interest tax deductible? Converting your mortgage into an investment loan as soon as you have equity available can save you money.  


A combined Mortgage, Line of Credit and Chequing in a single account can help simplify your management of your cash flow and save your money on your mortgage.

Learn About how Manulife One can Save Money and Reduce Stress.

Activating Real Estate in Retirement*

Look at your residential real estate as a key component of retirement income

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Victoria: (250) 412-3499
Salt Spring Island: (250) 537-9499
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