Individual
At Eleva Finance, we go beyond advice — we design personalized strategies to grow your wealth, safeguard your savings, and turn your financial goals into lasting success.
Investment Plans
Helps grow your retirement savings, reduces your current tax liability, and lets you withdraw later when you’re in a lower tax bracket. It’s a powerful tool for long-term retirement planning and immediate tax relief.
Grow your savings tax-free for any goal — travel, emergency fund, home renovations, or just peace of mind. You don’t get a deduction when you contribute, but every dollar you withdraw (including growth) is 100% tax-free.
A powerful savings account for first-time homebuyers. It combines the tax deduction benefit of an RRSP with the tax-free withdrawals of a TFSA — giving you the best of both worlds while building your down payment.
A RESP helps you save for your child’s education with tax-deferred growth and generous Government grants. Start early and give them a strong financial head start.
Designed for those eligible for the Disability Tax Credit. The RDSP allows you to build long-term savings with generous matching grants and bonds from the government — up to $90,000 in lifetime support.
A LIRA holds funds from a pension plan when you leave an employer. The money stays locked in until retirement and is meant to provide income later — just like a pension, but in your name.
Investment Solutions
Smart tools to grow, protect, and personalize your wealth.
A secure, no-surprises investment. GICs offer guaranteed returns over a fixed term, making them ideal for preserving capital while earning predictable growth — perfect for short- or medium-term goals.
Professionally managed portfolios that pool investors’ money to create balanced, diversified growth. Ideal for those who want expert oversight and long-term strategy — without managing every detail.
Sophisticated, low-cost investment vehicles that offer instant diversification and flexibility. ETFs track entire sectors or markets and trade like stocks — efficient, transparent, and designed for the modern investor.
A refined blend of investment and protection. Segregated funds provide market participation with built-in insurance benefits — including capital guarantees and estate planning advantages. Ideal for those who want growth with a layer of certainty.
Life Insurance Options
Flexible and affordable coverage designed for a defined period — ideal during key financial milestones like raising children or paying off a mortgage. Provides high protection at a lower cost, with the option to convert to permanent coverage.
Permanent protection with guaranteed premiums, lifetime coverage, and a built-in savings component. Whole Life insurance is designed for stability, legacy planning, and long-term peace of mind.
Combines lifelong coverage with flexible investment options. Universal Life adapts to your evolving financial goals, offering tax-efficient growth and control over how your premiums and savings are allocated.
Protects your home by covering mortgage payments if you pass away, become ill, or disabled. Personalized mortgage insurance gives you more control than lender-based plans.
Living Benefits
Receive a tax-free lump-sum payment if diagnosed with a serious illness like cancer, stroke, or heart disease. Use the funds however you choose — to access treatment faster, replace income, or reduce financial stress. A modern solution to protect your health, your family, and your financial stability.
A powerful blend of protection and flexibility. If you don’t make a claim, your premiums are refunded — giving you the option to supplement your income or reinvest the funds. CI with ROP is a modern solution with multiple benefits: protection if you need it, and value if you don’t.
Your income fuels your entire life — protect it. Disability Insurance provides tax-free monthly income if an illness or injury prevents you from working. Whether short- or long-term, it helps you maintain your lifestyle, cover essential expenses, and protect your long-term goals. A flexible, modern safeguard for your most valuable asset: your ability to earn.
If you’ve lost your group benefits or need personal coverage, we offer individual health & dental plans with guaranteed acceptance — no medical questions. Protect yourself and your family with the care you deserve.
Leaving a job or retiring doesn’t mean losing your coverage. This option lets you convert your group life insurance into an individual plan — no medical exam required — so your protection continues uninterrupted.
An HSA gives you tax-efficient reimbursement for medical, dental, and vision expenses. It’s a smart way to manage out-of-pocket costs — perfect for entrepreneurs or incorporated professionals.
