Our Services

SFL Investments is a business name of Desjardins Financial Security Investments Inc., a financial services firm. SFL Wealth Management — Desjardins Partner refers to Desjardins Financial Security Life Assurance Company. Desjardins® and related marks are trademarks of the Fédération des caisses Desjardins du Québec used under license. Mutual funds are offered through mutual fund representatives at SFL Investments, a financial services firm.

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Terms of Use

Our Services

Regardless of the stage of life, our tailor-made approach will help us fully understand your reality and set up a strategy that is perfectly aligned with your personal or business needs.

Tailor-made solutions at every stage of your life

REAL ESTATE Home Buyers' Plan Mortgage financing Life insurance to cover a loan

FAMILY Life insurance Critical illness insurance Health and income protection Disability Insurance

CHILDREN RESP TFSA Debt management Children's insurance

RETIREMENT Retirement Needs RRIF Life Income Fund (LIF) Locked-in Retirement Income Fund (LRIF) Annuities

SUCCESSION Estate Planning Expenses related to death Inheritance

RETIREMENT Retirement income planning Income splitting RRSPs, TFSAs and RRIFs Long-term care

EMPLOYMENT Term investments Guaranteed Investment Funds Mutual Funds* Financial Strategies RRSP/TFSA/FHSA Loan Management

MARIED LIFE Budget Income protection Income splitting Life insurance

A range of services designed for you. Simply.

Your advisor at Vallières Financial Services Inc. is your trusted partner. By guiding you in managing and protecting your finances, it gives you the peace of mind you need to focus on what matters most. This way you can put all your energy into what really matters to you.

Our service offer

Legal Aspects

Wills and mandates in case of incapacity
Marriage or Union Contract

Life and Health Insurance/Risk Management

Establish Financial Risks
Life Insurance
Disability Insurance
Critical Illness Insurance
Group Insurance

Finance

Budget Planning
Balance Sheet
Debt Repayment Strategy
Project Financing

Taxation

Tax avoidance
Living and Death Tax Strategies
Portfolio taxation

Investments

Establish the investor profile
Investment Policy
TFSA/RRSP/RESP/etc.
Second Opinion

Retirement

Identification of needs and objectives
Retirement Planning
Accumulation and Disbursement Strategies

Succession

Estate Assessment
Transfer of assets on death
Maximizing the value of assets

Other

Mortgage Brokerage – Planipret
Travel Insurance – Andrea Britto

Tailored solutions at every stage of your life

FAMILY Life insurance Critical illness insurance Health and income protection Disability Insurance

EMPLOYMENT Term Investments Guaranteed Investment Funds Mutual Funds* Financial Strategies RRSP TFSA Debt Management

MARIED LIFE Budget Income Protection Income Splitting Life Insurance

REAL ESTATE Home Buyers' Plan Mortgage financing Life insurance to cover a loan

CHILDREN RESP TFSA Debt Management Children's Insurance

RETIREMENT Retirement income planning Income splitting RRSPs, TFSAs and RRIFs Long-term care

RETIREMENT Retirement Needs RRIF Life Income Fund (LIF) Locked-in Retirement Income Fund (LRIF) Annuities

SUCCESSION Estate Planning Expenses related to death Inheritance

Our service offer

Legal aspects

Wills and mandates in case of incapacity
Marriage or union contract

Life and Health Insurance/Risk Management

Establishing financial risks
Life insurance
Disability Insurance
Critical illness insurance
Group insurance

Finance

Budget planning
Balance sheet
Debt Repayment Strategy
Project financing

Taxation

Tax avoidance
Living and Death Tax Strategies
Portfolio taxation

Investments

Establish the investor profile
Investment Policy
TFSA/RRSP/RESP/FHSA
Second opinion

Retirement

Identification of needs and objectives
Retirement Planning
Accumulation and Disbursement Strategies

Succession

Estate assessment
Transfer of assets on death
Maximizing the value of assets

Autre

Mortgage brokerage – Planipret
Travel Insurance - Andrea Britto

Our service offer

Tailor-made solutions at every stage of your life

MARIED LIFE Budget Income protection Income splitting Life insurance

REAL ESTATE Home Buyers' Plan Mortgage financing Life insurance to cover a loan

FAMILY Life insurance Critical illness insurance Health and income protection Disability Insurance

CHILDREN RESP TFSA Debt management Children's insurance

RETIREMENT Retirement income planning Income splitting RRSPs, TFSAs and RRIFs Long-term care

RETIREMENT Retirement Needs RRIF Life Income Fund (LIF) Locked-in Retirement Income Fund (LRIF) Annuities

SUCCESSION Estate Planning Expenses related to death Inheritance

EMPLOYMENT Term investments Guaranteed Investment Funds Mutual Funds* Financial Strategies RRSP/TFSA/FHSA Loan Management

Our service offer

Aspects légaux

Testament et mandat d’inaptitude
Contrat de mariage ou d’union

Assurances de personne/gestion des risques

Établir les risques financiers
Assurance vie
Assurance invalidité
Assurance maladie grave
Assurance collective

Finances

Planification budgétaire
Bilan
Stratégie de remboursement de dettes
Financement de projets

Fiscalité

Optimisation fiscale
Stratégies d’impôt du vivant et au décès
Fiscalité des portefeuilles

Placements

Établir le profil d’investisseur
Politique de placement
CELI/REER/REEE/etc.
Seconde opinion

Retraite

Détermination des besoins et objectifs
Planification de retraite
Stratégies d’accumulation et de décaissement

Succession

Bilan successoral
Transmission des actifs au décès
Optimisation de la valeur du patrimoine

Autre

Courtage hypothécaire – Planipret
Assurance voyage - Andréa Britto