“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


Have you started to plan yet?

EDUCATION COSTS: Have you noticed how quickly the cost of post-secondary school education is rising? You may not have. Between work, soccer, band practice and everything you have on your plate, you may not have time to worry about it. However, the sooner you address the issue the better.

For many of us, providing the opportunity to send a child or grandchild to college is one of life’s greatest dreams. But considering that college costs are increasing at a much higher rate than inflation, the earlier you start saving, the better.

In fact, the average cost of a four-year public university (including tuition, fees, and room and board) is expected to rise 6% each year, which means today’s cost of $70,606 would be $201,534 in just 18 years.*

Meeting a financial goal like this isn’t impossible. It just takes planning, which means starting early and investing consistently.


Where Am I today? As you start the process of saving an appropriate amount for education expenses, you should think about three major factors:

- What savings do I currently have?

- How much time do I have until I pay for education expenses?

- What other financial goals am I working toward?

Where Would I Like to Be? What education costs do you want to cover? For example, depending whether a child chooses a two- or four-year program, or a degree that requires postgraduate work, the choice can greatly impact the number you need to reach.

Can I Get There? Once you have a rough idea of how much education may cost, we’ll help determine how much you’ll need to save. Depending on your comfort level with risk, how long you have to save and how much you need will help define your strategy. You’ll also want to consider financial aid and whether any relatives may make financial gifts toward expenses.

How Do I Get There? Although savings and investment accounts can be the foundation for your education savings, we can suggest a number of strategies specifically designed to help you reach your savings goal.

How Can I Stay on Track? Saving for future education expenses for yourself or a child is an ongoing process. You should review your strategy at least once per year – or more often if you experience a change in your life or dramatic changes in the market. To discuss education savings and how they relate to your overall financial picture or to open an account, set up a face to face meeting with a F1RST CHO1CE Advisor who can help ensure you stay on track toward all of your goals.

EDUCATION SAVINGS: Take a look at the different ways you can save for your child’s education.

Registered Education Savings Plan (RESP): A Registered Education Savings Plan is a tax-deferred vehicle offered by the federal government. The person who contributes to the plan is called the subscriber. The person who intends to use the money in the plan for post-secondary education is called the beneficiary. There can be more than one beneficiary of an RESP, and the beneficiaries are usually children.

Objective: To provide an account that individuals can use to save for qualified post-secondary education expenses for eligible students.

Suitability: An RESP is suitable for anyone who wants to set money aside for post-secondary education expenses.


- Contributions: Subscribers may contribute up to a lifetime maximum of $50,000. The contributions are not tax deductible and can only be made for 21 years from the child’s birth date for family plans and up to the end of the 21st year of existence for individual plans.

- Government Assistance: The federal government has made RESPs even more attractive in its 2007 Federal Budget. The government now offers a grant of 20 per cent on the first $2,500 invested in an RESP per beneficiary each year. The grant, known as the Canada Education Saving Grant, is a maximum of $500 per year per beneficiary.

- Transfer: Up to $50,000 per subscriber of eligible RESP income can be transferred to an RRSP or a Spousal RRSP. If the subscriber chooses this option, then the RESP must be collapsed by March 1st of the year following the withdrawal. Income in excess of the subscriber’s contribution room will be subject to a 20 per cent penalty tax on top of the tax incurred by including the RESP proceeds in the subscriber’s income.



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!