Services
SERVICES
The Full Catalogue
Every product and service we are licensed to advise on, organised by purpose.
Introduction
The four Plans on this site are how we organise the work of advising a family. The Services listed below are the specific products and instruments that the Plans use. Most of our clients come to us for one of the Plans and then engage with specific services inside it. Some come to us for a single product, having identified a specific need such as life insurance or RESP setup. Both routes are welcome.
Services are grouped into three categories: Protection, Wealth, and Home Financing. Each service has a brief page explaining what it is, when it suits, when it does not, and which Plan it most often connects to. We do not list every minor product variant on this page. If you are looking for something specific that you do not see, contact us and we will tell you honestly whether we can help.
Protection
Insurance products that protect a family or business against the financial consequences of unexpected events. Protection products are typically the foundation of any financial plan.
- Term Life Insurance: Term 10, Term 20, Term 30, Term to 100, joint first-to-die, joint last-to-die
- Permanent Life Insurance: Whole Life, Universal Life
- Disability Insurance: For employees, self-employed professionals, and business owners
- Critical Illness Insurance: Including cancer-specific coverage
- Long-Term Care Insurance
- Travel Insurance: Visitors to Canada, out-of-province travel, student travel
- Super Visa Insurance: Monthly payment plans for parents and grandparents
- Group Insurance: Health, dental, and emergency medical for small and mid-sized businesses
- Business Insurance: Key person insurance, buy-sell funding, business overhead
- Final Expense Insurance
Wealth
Registered and non-registered investment vehicles and the planning services that organise them. Most wealth-building work happens inside these instruments.
- Registered Retirement Savings Plan (RRSP)
- Tax-Free Savings Account (TFSA)
- Registered Education Savings Plan (RESP) — Family Plan and Individual Plan, with full grant capture
- Registered Disability Savings Plan (RDSP)
- Locked-In Retirement Account (LIRA) and Life Income Fund (LIF)
- Registered Retirement Income Fund (RRIF)
- Segregated Funds
- Mutual Funds (If there is a license)
- Guaranteed Investment Certificates (GICs)
- Annuities
- Retirement Planning — full-lifetime drawdown structuring
- Estate Planning — beneficiary and tax-efficient transfer structuring
- Wealth Management — coordinated planning across multiple instruments
Home Financing
Referral Services
Aevum Wealth Advisory does not directly broker mortgages. Where home financing is part of a client's plan, we work with a licensed mortgage broker partner to source the appropriate product. The conversation begins with us, the structural analysis is part of our work, and the placement is handled by our broker partner.
- First mortgages, refinancing, second and third mortgages
- Home Equity Lines of Credit (HELOC)
- Debt consolidation and restructuring
- Investment loans secured against RRSP or non-registered investments
- Consumer proposal advisory