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"A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain."

Mark Twain

Cash and Credit Management Services

Canadians all need to save money, use a chequing account and borrow money.  Most go to their local bank branch because it is convenient.  But is it the best choice?  If you only deal with one financial institution for both your savings and your borrowing needs, think of the conflict.  Most banks make money through something called "the spread" - which is the difference between the amount of interest they pay you on your savings and they charge you on your borrowing.  This inherent conflict leads many Canadians to lose potential thousands over their lifetime.

How can we help?

Due to the fact that Investment Planning Counsel is an independent company, we can shop the market on your behalf to get great interest rates on your savings and low rates on borrowing.  This means that we can use one financial institution to help you grow your savings and another for your borrowing needs.  Our team has developed a process called the Banking Relationship Review which will examine each banking relationship you currently engage and make recommendations for improvements.

We can offer:

Contact your Financial Advisor directly for more information.



Disclaimer: The information contained herein is for AB, BC, MB, NB, NS, NL, ON, PEI, QC and SK residents only and does not constitute an offer to sell or solicit sales in any other Canadian or foreign jurisdictions.