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“I’m extremely thankful and grateful to be working with the Charlton family and F1RST CHO1CE Financial Group for my investment planning needs. It’s very clear that they’re experts in the investment industry which is evidenced by the proven investment strategies they recommend.  I can see why they’re among the most respected advisors in the country and would highly recommend them to anyone that’s looking to grow their investment portfolio”


Augusto Pinho, Burlington, Ontario




“Working with the F1RST CHO1CE Financial team was and continues to be a real pleasure.  I have really appreciated their professional guidance designing and managing a solid portfolio. Their investment strategies to both reduce my taxable income and accelerate the growth in my portfolio really opened my eyes!  I’m looking forward to learning more about the strategies I would have never learned about from my bank.”


Stanislaw Shapiro, Toronto, Ontario


“Honesty, integrity, and professionalism are the three words that come to my mind when I hear Casey’s name. He has provided my clients over the years with the highest level of service and they always thank me for introducing them to him. Casey truly goes above and beyond.”


Deborah Robinson, Real Estate Agent – Royal Lepage


“I have nothing but amazing things to say about F1RST CHO1CE Financial Group. Not only are Casey & Wayne extremely helpful and patient, but they’ve always taken the time to explain all my available options and make recommendation that would help me best attain my goals. I would recommend F1RST CHO1CE to anyone looking to plan for their future.”


Wilfido Rodriguez, Brampton, Ontario


“My wife and I have been clients for several years now, and in that time, we’ve conducted numerous transactions with both Casey and Wayne from mortgage refinancing to life insurance to managing our investments. These individuals have demonstrated that they have superior knowledge of their respective products and are able to deliver them with exceptional customer service. I have found that this combination is a rarity these days, and as such, I whole heartedly recommend their service to both friends and family with confidence.”


Clifton Sookdeo & Shelly Sharma, Caledon, Ontario


“After losing more than 30% of my investment portfolio in 2009, my bank offered no other advice other than to leave my money where it was or transfer it to GIC. Thankfully I was referred to Casey who showed me some other amazing investment options that were not available through my bank, that would give me the potential to make up for my losses while also providing some guarantees.  I’m extremely happy that I listened to Casey’s advice and not my banks, as I’ve now managed to regain all of the money I lost and can now retire the way that I was planning on.  Thank you so much Casey you’ve made a huge difference to my life and I will continue to refer  anyone that I know to you with pleasure!”


Becky Cezar-Redublo, Toronto, Ontario




ANNUITIES are contracts between investors and insurance companies. Annuities are a popular way to save for retirement because they can provide income. There are different types of annuities that offer investors different interest rates and schedule of payments.

FIXED ANNUITIES are very similar to GICs (Guaranteed Investment Certificates) with investment options and terms that range from daily interest accounts to guaranteed terms up to 10 years.

Objective The primary objective of fixed annuities is to provide investors growth of principal and interest.

Suitability: Fixed annuities are an investment alternative for investors seeking growth of principal for purposes such as retirement planning.


- Guaranteed Interest Rate: Fixed annuities offer a fixed rate of interest guaranteed by the issuer.

- Guarantee of Interest and Principal: The payment of both interest and principal is guaranteed by the insurance company.

- Guaranteed interest income option: Interest is paid out monthly, quarterly, semi-annually or annually.

- Penalty for Early Surrender or Withdrawal: Investors are assessed a market value adjustment charge if you redeem or withdrawal your investment prior to term maturity.

- Avoids Probate: Upon death proceeds are paid directly to named beneficiaries, thus avoiding probate and other estate settlement costs.


LIFE ANNUITIES are contracts between insurance companies and investors. They provide investors and/or their spouses with a guaranteed income for life, no matter how long they live.

Objective: To provide investors with maximum monthly income and/or the certainty they will not outlive their capital.

Suitability: Life annuities are best suited for conservative investors seeking the highest possible after-tax income.


- Regular Income: Regular income can be paid on a monthly, quarterly, semi-annual or annual basis. Investors know exactly how much income they will receive and how long it will last. For life annuities, income will last throughout the life of one spouse or the lives of both spouses.

- Life income: Immediate life annuities can be structured to provide income that cannot be outlived.

- Liquidity: Once an immediate annuity is purchased, it cannot be altered or ceased. The payments from an immediate annuity must be continued as the contract originally stipulated until, when by contract provisions, the insurance company has met all its obligations and the policy is terminated.

- Guaranteed period: You can add a guaranteed period so income payments will continue to beneficiaries if death occurs prior to the end of guaranteed period selected.


TERM CERTAIN ANNUITIES: The insurance company receives a lump sum from the investor and, in return, guarantees to pay the investor a specified amount of money for a specified period of time, such as five or ten years.

Objective: To provide investors with maximum monthly income over a certain period of time.

Suitability: Term certain annuities are best suited for conservative, income-oriented investors.


- Regular Income: Regular monthly, quarterly, semi-annual or annual income is paid on a systematic basis. Investors know exactly how much income they will receive and how long it will last.

- Income Period: Term certain annuities can only provide an income for a certain and predetermined period of time.

- Liquidity: Once a term certain annuity is purchased, it cannot be altered or ceased. The payments from the annuity must be continued as the contract originally stipulated until, when by contract provisions, the insurance company has met all its obligations and the policy is terminated.


 At F1RST CHO1CE Investment Solutions were passionate about sharing our knowledge, experience and unbiased opinions with families and individuals that are looking for a trusted advisor to help them with their Investment Planning options.

ANY QUESTIONS?…Contact a Licensed Investment Advisor today!