Financial services · Life & health insurance

Protect.
Accumulate.
Optimize.
Transfer.

Our mission is to support you in every one of your projects, at every stage of your life.

A complete picture

Solutions that follow your reality.

We work with families, individuals, professionals, entrepreneurs and business owners on their financial decisions and their protection needs.

Our approach is to understand your situation as a whole, so we can put in place solutions aligned with your personal, professional and estate objectives.

Individual solutions

Protect the wealth you have built over the years.

Corporate solutions

The business and the person. One single strategy.

For entrepreneurs, personal and corporate decisions are often closely connected. We structure coverage around your responsibilities, your partners and the continuity of your business.

Talk about my business

Corporate life insurance

Fund a shareholders’ agreement, protect the business against the loss of a shareholder or a key executive, and support its continuity and certain estate objectives.

Corporate disability insurance

Protect the business owner and help maintain the company’s financial stability in the event of a disability.

Corporate critical illness insurance

Provide liquidity to better manage the financial consequences of a critical illness affecting a key person.

Key person insurance

Protect the business against the financial consequences of the death of someone essential to its operations.

Shareholders’ agreement

Help fund the buyout of a shareholder’s interest and make the continuity of the business easier.

Corporate and estate strategies

Take into account your business, your assets, your family and your estate objectives all at once.

Savings and investments

Making the right choices, in the right order.

Saving and investing isn’t simply about picking an account or a fund. The real question is where to put your money, why, and in what order.

RRSP

Prepare for retirement and optimize your taxes

Build capital for retirement while benefiting from a tax advantage today. We help you determine whether, when and how much to contribute.

TFSA

Grow your wealth with flexibility

Save and invest tax-free, subject to applicable rules, for a range of short- and long-term projects.

FHSA

Prepare to buy a first home

Take advantage of an attractive combination of tax benefits and flexibility as you prepare to purchase a property.

RESP

Invest in your children’s future

Set aside savings for post-secondary education and benefit, when conditions are met, from government grants.

Non-registered investments

Keep building your wealth

Complete your strategy once your contribution room is used, or when greater flexibility is what you’re looking for.

Types of annuities

Turning capital into predictable income.

Annuities can support your retirement, protection and wealth-transfer objectives. We help you choose a structure suited to your income needs.

Life annuity
Joint and survivor annuity
Term-certain annuity
Life annuity with guaranteed period
Prescribed annuity
Deferred annuity

Insurance partners

Choice, without compromise.

We work with several well-established insurers so we can compare coverage and recommend a solution that truly fits.

Logos of Bayard Financial Services insurance partners

Our team

A relationship that goes further than a contract.

Your situation is more than an insurance policy or an investment account. It’s the whole of your decisions that forms your strategy.

“Our role: protect your wealth today and evolve your strategy for tomorrow.”

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A complete vision, today and for the years ahead.