OUR SERVICES

MORTGAGES

When choosing your mortgage, you will often focus on securing the lowest interest rate, which is understandable. But have you factored in prepayment options, penalties for breaking your term early, transferability, and many other clauses you may not be aware of?

Minimizing the cost of your debt is also our priority. Doing so will increase your cash flow and leave room for other essential expenses and investments. But choosing the right mortgage product for you is just as important!

Whether you are looking to buy your first home, renew or refinance your current mortgage, purchase a family cottage, or even invest in a rental property, we can help you with your project.
We will begin by carefully analyzing your current financial situation, determining your needs, and assessing your borrowing capacity in order to present you with the most suitable options. We will explain the pros and cons of each product and answer your questions. With the latest and most sophisticated technological tools, in-depth product knowledge, and access to a broad range of mortgage lenders, we will ensure that you are well -advised and supported throughout the process, from the first meeting to the day of closing and beyond.

INVESTMENTS

We are passionate about helping our clients reduce the risk of their investments by diversifying their mutual fund portfolios and carefully selecting investment companies and fund managers to help them achieve consistent returns over the long term. Keeping abreast of financial news and market trends is a key priority for us.

We work with clients who are looking to build a strong financial foundation for their future and establish good financial habits to grow their wealth. We help them set up an emergency fund and save for retirement or for their children’s education. We clear up any confusion about choosing the right registered account, whether it is a tax-free savings account (TFSA), a registered retirement savings plan (RRSP), a registered education savings plan (RESP), the new tax-free FHSA account for first-time buyers, or event a non-registered account.

We stay in close contact with our clients and meet with them on a regular basis to ensure that their investment strategy is still appropriate, that their financial or personal situation has not changed, and that they are on track to meet their goals—or to make adjustments if necessary.

Because we are an independent firm and have no in-house products, we can truly serve your best interests!

PERSONAL INSURANCE

One of the most important, long-term financial decisions you will make during your lifetime is protecting the financial security of your loved ones and safeguarding the dreams you have strived to achieve and the assets you have worked so hard to accumulate over the years.

We offer our clients all types of life, disability, and critical illness insurance products with several insurance companies. Since everyone’s needs are different, we carefully review their personal, financial, and professional situation and then recommend appropriate coverage options.

We will analyze your actual insurance needs, determine if your current coverage is adequate, review your renewal terms, or select a new policy suited to your unique circumstances. Having the right insurance plan in place will give you peace of mind and help you feel more secure, knowing that you and your loved ones are protected.
Our goal is to find the balance between affordability and the best level of insurance coverage you may need at different stages of your life. Insurance is key to securing your financial stability, and it is worth taking the time to make sure your coverage meets your needs.

Mortgages * AVIE Financial Services Inc. is Attached to Planiprêt Mortgage broker firm. Our mortgage brokers are regulated by the Autorité des marchés financiers (AMF), under the law on the distribution of financial products and services (LDPSF).

Investments * Aliona Cozari is Attached to PEAK Investment Services Inc. PEAK Investment Services Inc. a mutual fund dealer that is registered with the Autorité de marchés financiers du Québec and the Mutual Fund Dealers Association of Canada. PEAK Investment Services Inc.’s activities involve investment products, such as mutual funds and exchange-traded funds. PEAK Investment Services Inc. The MFDA Investor Protection Corporation protects clients of PEAK Investment Services Inc. who are under its jurisdiction against the loss of property held in client accounts due to the firm’s insolvency. Please see http://mfda.ca/mfda-investor-protection-corporation/ for more details.

* Mutual funds are distributed through PEAK Investment Services. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. PEAK Investment Services’ responsibility is limited to the products it distributes.

Personal Insurance * Insurance products include, but are not limited to, term life insurance, permanent life insurance, whole life insurance, universal life insurance, mortgage life insurance, accident and sickness insurance, long-term care, critical illness and disability insurance, private health insurance, travel insurance and expatriate insurance.