At Headwaters Financial, your financial plan is the foundation for every decision. We take the time to understand what matters to you, build a plan around it, and make sure your investments, insurance, and tax strategy all work toward the same goals. We're supported by Q Wealth, whose investment management expertise, research, and platform help put that plan into action with a disciplined, risk-focused approach that adapts as your life changes.
To build that plan, Q Wealth uses a full range of investment vehicles, including:
Mutual Funds: Pooled investments managed by professionals, offering diversification across many holdings in a single fund.
Stocks: Direct ownership in individual companies, for clients who want more targeted equity exposure.
Bonds: Fixed-income investments that provide steady interest payments and help balance portfolio risk.
ETFs (Exchange-Traded Funds): Diversified, low-cost funds that trade like a stock, often used to build cost-efficient portfolios.
GICs (Guaranteed Investment Certificates): A guaranteed-return, low-risk option for money you want protected from market swings.
Fee-Based Accounts: Transparent, fee-based (rather than commission-based) investment accounts, so you always know what you're paying.
Registered Accounts
We help you make the most of registered accounts, choosing the right structure for where you are in life:
RRSPs (Registered Retirement Savings Plans): Tax-deferred accounts designed to help you save for retirement while reducing taxable income today.
RRIFs (Registered Retirement Income Funds): The income-drawing counterpart to an RRSP, used once you're ready to start withdrawing in retirement.
LIFs (Life Income Funds): Similar to a RRIF, but for locked-in pension funds, with specific rules around withdrawal limits.
TFSAs (Tax-Free Savings Accounts): Flexible accounts where investment growth and withdrawals are generally tax-free.
RESPs (Registered Education Savings Plans): Savings accounts designed to help fund a child's post-secondary education, with government grant matching.
RDSPs (Registered Disability Savings Plans): Long-term savings plans for individuals with disabilities, supported by government grants and bonds.
