“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




A bond is a debt security, similar to an I.O.U. When you purchase a bond, you are lending money to a government, municipality, corporation, federal agency or other entity known as an issuer. In return for that money, the issuer provides you with a bond in which it promises to pay a specified rate of interest during the life of the bond and to repay the face value of the bond (the principal) when it matures, or comes due.

Two features of a bond – credit quality and duration – are the principal determinants of a bond’s interest rate. Bond maturities range from a 90-day Treasury bill to a 30-year government bond. Corporate and municipals are typically in the three to 10-year range.


CORPORATE BONDS: A corporate bond is a loan to a corporation. When you invest in a bond, the corporation pays interest on the value of the bonds you purchased. At a stated date in the future (maturity date), the company returns your principal. The maturity date on corporate bonds can range from one to 40 years.


GOVERNMENT BONDS: Government of Canada bonds are issued by the federal government and are among the most secure investments available. The are backed by the full faith and credit of the government and are guaranteed as to the timely payment of principal and interest.


PROVINCIAL BONDS: Provincial bonds are issued by the provincial government and are one of the most secure investments available. They are backed by the full faith and credit of the provincial government and are guaranteed as to the timely payment of principal and interest.


RETIREMENT SAVINGS BONDS:  (RSBs) combine the benefits of zero coupon bonds, known as STRIPS, and Provincial Bonds in a package to provide an investor with an enhanced level of income at a future date, referred to as the Payout Date. In addition to the deferred income, the initial capital investment is also returned to the investor at maturity.


STRUCTURED BONDS: can be extendible or stepped up. Extendible bonds offer predetermined interest payments like other bonds. Each year, if the bonds are not called, the investor is paid a stepped-up coupon according to the rate schedule. This stepped-up rate is the compensation for the risk of extending towards final maturity


U.S CORPORATE BONDS: U.S. corporate bonds are issued by U.S. corporations and provide income in U.S. dollars. These issues count against foreign content.


YANKEE BONDS: Yankee bonds are bonds issued by provincial governments or Canadian corporations that provide income in U.S. dollars. They are backed by the full faith and credit of the issuing provincial government or corporation.


ZERO COUPON BONDS: Zero coupon bonds are backed by the full faith and credit of the issuer. These securities, known as STRIPS, are issued directly by the issuer. These bonds are offered at a deep discount and mature at face value. They compound semi-annually at the corresponding yield the investor locks in at the time of purchase.



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!