“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


Investment strategies not offered through your bank!


Maximize growth with retirement savings outside an RRSP!  The only vehicle known to most for retirement saving is the RRSP. The recent growing popularity of a Guaranteed Income Fund (GIF) or Segregated Fund, is now changing the way we view saving for retirement. Imagine obtaining the following benefits outside an RRSP:

Tax deductions: Contributions or payments are 100% deductible from your taxable income.

Preferred taxation on growth: Growth inside your portfolio are taxed as capital gains (currently 50%) as oppose to an RRSP which are fully taxable as income (100%).

Potential for accelerated growth: Growth is accelerated or magnified when compared to an RRSP with identical funds and returns!


RESPONSIBLE LEVERAGING: When you buy a home and obtain a mortgage you are leveraging. In simple terms, you are borrowing to invest. Most people do this because they feel it’s an acceptable risk with safety nets in place. Banks provide mortgages because they use your home as collateral, since they too avoid risk. This is responsible leveraging.

Some major Canadian banks, as conservative as they are, now view borrowing to invest into Guaranteed Income Fund or Segregated Funds as responsible leveraging. Some benefits include:

- Interest payments only

- Interest on loans as low as prime

- No margin calls

- No collateral required (money invested is collateral itself)

- Segregated Funds or (GIF’s) provide maturity and death guarantees

These protective features are only available through an insurance company.


EXAMPLE: Long term retirement planning

Mary, age 40, can contribute quite comfortably $400 a month into an RRSP.

Instead, with a simple credit check, she is approved for a loan of $75,000 (at prime + 0.50) and deposits it into a Segregated Fund or GIF portfolio.

As an immediate benefit, each year she receives about $4,900 in tax deductions.

Results after 25 years

The portfolio grows at a modest average rate of 8% per year.

After paying back the loan and all taxes, she takes home a net $359,000.

An equivalent RRSP would net $263,000.

Is this strategy appropriate for you?

While the masses rush to make their contributions during RRSP season, we encourage you to explore this unique, government approved strategy.


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!