Frequently asked questions.

  • An unlimited number of units are issued by the fund and they are bought and sold directly by the fund itself. The value of a unit is not determined by market demand but by the net asset value of the securities in the fund’s portfolio

  • Not at all! Our clients have a net worth of zero to several millions of dollars

    1. Fact-Finding & Discovery Phase: This is the intro phase where we get to know each other.

    2. Processing Stage: Following our intro meeting, we get to work on building what we discussed & determine the best route that will fit your needs & goals.

    3. Facilitate & Execute Phase: In our next meeting, this is where we discuss our findings with you & put the plan into practice. We encourage our clients to voice to us during this phase to ask questions, communicate, & let us know how they feel about the final plan.

    4. Follow-up Phase: With us regularly monitoring & reviewing your account, we communicate when we need to update your information (contact info, net worth, job changes, investment needs etc.) & update when there are changes in the market to keep your plan on track with your goals.

  • Our intro consultation is always free as we are seeing if we are a good fit for you and vise versa! Once you have made the decision to come aboard with one of our Advisors’ we than discuss the breakdown of how it all works. We structure our fees competitively & as tax-efficient as possible so we can save you money while maximizing the value we bring to your portfolio.

  • We are overseen by the Canadian Investment Regulatory Organization (CIRO). CIRO is a self-regulatory organization that oversees all investment dealers, mutual fund dealers, & trading activity on Canada’s debt & equity marketplace.

    For more information please visit their website: www.ciro.ca

  • We certainly do! In fact, our team of experienced Advisors have licenses in all provinces in Canada this includes; Mutual Funds, Insurance & Tax planning. We work to accommodate all clients by offering in-person meetings, virtual meetings, and over the phone meetings.

  • Investia Financial Services Inc is a wholly owned subsidiary of Industrial Alliance Insurance& Financial Services Inc., a life & health insurance company founded in 1892 that operates under the trade name iA Financial Group. For more information on Investia please visit their website: investia.ca

    Investia Financial Services is our head office which we work under & follow all guidelines and regulations required to be able to offer the services we do.

  • We offer a variety of services here at Panorama & are continuously growing to offer our clients more! A few services we offer are.

    1. Investment strategies

    2. Retirement planning

    3. Tax planning & preparation

    4. Life Insurance

    5. Estate planning

    For more information on our services click here to view our page!

  • We offer a variety of plans including non-registered, registered, locked-in plans and more. We offer the following.

    • Registered Education Savings Plan (RESP)

    • Registered Pension Plan (RPP)

    • Registered Retirement Income Fund (RRIF)

    • Registered Retirement Savings Plan (RRSP)

    • Tax Free Savings Account (TFSA)

    • First Home Savings Account (FHSA)

    • Locked-In plans (these are normally transferred from employment companies)

  • Client Name Accounts reside at a financial institution like a bank or mutual fund company. In a Self-Directed Nominee Account the investment dealer or mutual fund dealer holds all your securities in one account.

    For more information check our Investia Financial Services website: https://investia.ca

  • Mortgage insurance is designed to pay off outstanding mortgage & the coverage amount decreases as mortgage balance decreases. Premium stays the same and lender is named beneficiary.

    Term insurance coverage amount remains level throughout the term, it provides death benefits to the beneficiary (spouse, child, estate etc.). Proceeds can be used for any purposes, not just tied to the mortgage.

  • With Critical Illness Insurance, you have the option to get back all or a portion of premiums either upon surrender/maturity or upon death.