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Associates and Industry Partners

At 3i Financial we work together with our many industry partners to help our clients to reach their financial goals and manage their risks.  We believe that it is a tremendous advantage for us to be able to offer a complete range of financial products. It is also our job to objectively analyze our clients’ immediate and future needs, risk tolerance, and their financial goals.

Our Associates

Companies that work in partnership with us to provide financial solutions.

Industry Partners

Here some of our Participating Service Providers. You can use this section to visit the websites and learn more about the industry partners we work with to provide financial products.

Disclaimers:

  • The services of providing life insurance and other non-investment plans are offered through 3i Financial Group Inc. The services of providing mutual funds, ETFs and Alternative Funds are offered through through 3i Financial Investment Services Inc. Both are separate legal entities. 3i Financial Investment Services Inc. is a member of the Canadian Investment Regulatory Organization (CIRO) and licensed to distribute mutual funds.
  • Dynamic Funds® is a registered trademark of its owner, used under license, and a division of 1832 Asset Management L.P.
  • Authorized Distributor for The Canada Life Assurance Company.
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Terms of Use

FULL & FAIR DISCLAIMER

If you access and use this Website (the “Site”), you accept and agree to be bound by and comply with these terms (the “Terms”). If you do not accept the Terms, do not use the Site.

The Site is operated by 3i Financial Group Inc. and 3i Financial Investment Services Inc. and these Terms may be modified or revised without notice. Your use of the Site following any modification/revision constitutes your agreement to follow and be bound by these changes. If any of these changes are unacceptable to you, please immediately cease your use of the Site.

The services of providing mutual fund, RRSP, RESP, labour sponsored funds and other investments plans are offered through “3i Financial Investment Services Inc.” The services of providing life insurance and other non-investment plans are offered through “3i Financial Group Inc.” Both are separate legal entities.

3i Financial Investment Services Inc. is a member of the Canadian Investment Regulatory Organization (CIRO) and licensed to distribute mutual funds.

MUTUAL FUNDS

Commissions, trailer fees, management fees and expenses all may be associated with mutual fund investments or other securities. Please read the prospectus before investing.

The indicated rates of return of a mutual fund are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns.

Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

LEGAL

These Terms are governed by and shall be construed in accordance with the laws of the Ontario without giving effect to any principles of conflicts of law. If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

These Terms are effective unless and until terminated by 3i Financial Group Inc. and 3i Financial Investment Services Inc. All images, logos and trademarks are copyright and the property of their respective owners.

NOT OFFERING ADVICE

The materials posted on 3i Financial website are not intended to provide specific advice or recommendations for any individual/business. It is intended for general information only. You should not be acted or relied upon without seeking the advice of a professional. All contents and information are believed to be from verified sources. 3i Financial makes no representation as to its completeness or accuracy.

TRADEMARKS & COPYRIGHTS

Certain names, words, titles, phrases, logos, graphics, designs, and other content (including copyright-protected content) on this website are subject to intellectual property rights and are owned 3i Financial or by third parties servers.

These materials shall not be copied, modified, downloaded, reused, sold, reproduced, transmitted, licensed, published, displayed, or used for public or commercial purposes without 3i Financial express written permission.

 

Tags: Legal, Terms of Use

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CIRO | FSRA Regulations

3i Financial is governed by the rules and regulations as set forth by the Canadian Investment Regulatory Organization (CIRO) for investments products; and by the rules and regulations of the Financial Services Regulatory Authority of Ontario (FSRA) with respect to insurance products.

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The key to long-term financial success is as a client, you have access to sound and objective financial advices.  By asking the right questions, you will be able to determine if there are any conflicts of interest apparent in your relationship with your advisor, or with any of the products or services that are offered.  For example:

  • Is a company only offering to broker certain products and not others because the payout on these products is higher as compared to other more suitable products?
  • Is a company only offering its own proprietary products although there may be other better performing products available in the marketplace?

When seeking guidance with respect to your finances, it is very important to find a company that is both competent and ethical.  The next step would be to choose a financial advisor who displays the same characteristics.  This decision should not be taken lightly as you will be providing them both with your personal information and should have confidence that this information will not be misappropriated.  Financial Advisors are governed by the Know Your Client rule, this is important because for any advisor to provide effective service and prudent advice, they must have all the relevant client information at their disposal in order to make an assessment based on a needs analysis and finally to offer professional advice.

At 3i Financial, what matters to us is the performance of the products that we utilize to match our client’s needs.  We expend significant effort to ensure that we only offer the best products and services to our clients from the strongest providers in the financial industry.  We then monitor those products, and companies on an ongoing basis to be sure that they remain the best for you.  Since we deal with a large number of mutual fund and insurance companies’ products, we are free to choose the ones that we believe will perform the best.

What to expect from your Financial Advisor

  • To deal with you fairly, honestly, and in good faith.
  • To gather all the pertinent information from you in order to better understand your financial needs and objectives.
  • To make recommendations consistent with your needs, objectives, and risk tolerance.
  • To fully disclose any risks associated with the recommendations they make.
  • To avoid any conflicts of interest and refrain from acting in any way that could potentially create a conflict of interest.

Lastly, to obtain your express authorization in advance of every transaction entered into while acting as an agent on your behalf.

Tags: FSRA, MFDA, Regulations

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Investment Products

Why Choose Investment Products?

At 3i Financial Investment Services Inc, we offer a wide range of investment products such as Mutual Funds, Alternative Funds,  Exchange Traded Funds (ETFs). Our advisors are dedicated and experienced to construct a better diversified portfolio of investments. Our advisors will help and guide you in reaching your financial goals.

APPROVED BY MFDA TO OFFER ETFs

Investment Fund Products

Mutual Funds

  • Offers a wider variety of investments
  • Helps investors grow assets with monthly contribution
  • Allows you to take advantage of professional investment management

Alternative Funds

  • Offers a variety of investment vehicles and some tax benefits
  • Provides opportunities that is not offered in the traditional market
  • Invests in a non-traditional securities, including cryptocurrency.

Exchange Traded Funds (ETFs)

  • Ability to buy at a lower cost or smaller amounts
  • Dividends in an open-ended ETFs are reinvested immediately
  • Offers Flexible trading and better tax efficiency in taxable accounts.

Sources: Ontario Securities Commission, Investopedia, Fidelity

Find Out More

Bussiness Investments
Indvidual Investments
Contact Us
Tags: Exchange Traded Funds

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Business Investment

Why Choose Business Investments?

At 3i Financial Investment Services Inc, we work in partnership with businesses by offering our financial expertise to help create and add value to your organization. Our advisors are dedicated and experienced to understand the unique financial needs of your business. Our 3i Business Financial Plan is tailored to take your business further by managing the risks. We can get you professional advice from lawyers, bankers, mortgage brokers, accountants and etc…to make business recommendations specific to your need and assist in the execution of your 3i Business Financial Plan.

Business Investment Programs

Non-Registered Investment Plans

DPSP’s (Deferred Profit Sharing Plans) & Payroll Savings Plans

  • Contributions are a tax deductible expense and are not a taxable benefit to the plan member. Employers can contribute an amount up to 9% of the employee’s current annual earnings to the maximum contribution limit
  • Help employees saves for their future.

Individual Corporate Accounts

  • Helps with everyday banking, savings and investing.
  • Helps to ensure you file taxes accurately and separately from personal accounts.
  • Eligible to deduct business expenses from your tax return.

Registered Investment Plans

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IPP’s (Individual Pension Plan)

  • Provides maximum tax-deductible contributions for your retirement and gives you more flexible benefit settlement options. Allows you contribute a higher amount.

DCRPP’s (Defined Contribution Registered Pension Plans)

  • Provides employees with an income at retirement. Contributions are exempt of payroll taxes for employers. 

RESP’s (Registered Education Savings Plan)

  • An investment vehicle that allows caregivers to save up for their children’s post secondary education.
  • Pays up to 20% of a child’s annual contribution up to an annual maximum of $500 or a lifetime maximum of $7200 until the beneficiary reaches the age of 17.

RRSP’s (Registered Retirement Savings Plan)

  • Invest in your future by reducing your taxable income with contributions.
  • Can access funds in your RRSP to help buy your first home or pursue further education.

DPSP’s (Deferred Profit Sharing Plans)

  • Allows companies to share profits with employees.
  • Provides tax incentives and allows vesting periods for vesting period and employers contributions. 

Sources: Canada Revenue Agency, Investopedia, Moneysense

Find Out More

Individual Investment
Investment Products
Contact Us
Tags: DCRPP's, Deferred Profit Sharing Plans, Defined Contribution Registered Pension Plan, DPSP's, Individual Corperate Accounts, Individual Pension Plan, IPP's, Non Registered Investments Plans, Payroll Savings Plan, Registered Investments Plan, RESP

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RDSP

What is a Registered Disability Savings Plan (RDSP)?

The Registered Disability Savings Plan (RDSP) is a registered savings plan specifically designed for Canadians with disabilities and their families to save for a long-term financial needs.

The plan allows a person who is eligible for the federal disability tax credit to accumulate up to $200,000 in contributions on a tax-deferred basis.

Who is eligible?

 To qualify for an RESP, a beneficiary must:

  • Be eligible for Disability Tax Credit (DTC)
  • Be a Canadian resident
  • Have a valid Social Insurance Number (SIN)
  • Less than 60 years of age

Benefits

As an incentive for parents to contribute to their child’s post-secondary education, the federal government offers two funding mechanisms.

  • Tax-sheltered earnings

    The money you contribute grows tax-free until is taken out.

  • Get government contributions

    The major benefit is that you still qualify for the great government benefits. The federal government matches up to 30% through grants and extra funding for low-income families. There are two funding programs to help you save: Canada Disability Savings Grant (CDSG) and Canada Disability Savings Bond (CDSB).

  • Easy access when you need it

    Withdrawals can be done for any purpose that benefits the person with disability.

Make the most out of your RDSP

  • Lifetime contribution limit of $200,000 with no annual limit.
  • The maximum amount for grant eligibility is $70,000

Source: Canada Revenue Agency

Contact a 3i Financial Advisor today to see how an RDSP can help you save!

Contact Us

Find Out More

RESP
TSFA
RRSP
Tags: Tax Sheltered

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Segregated Funds

What is Segregated Funds?

A segregated fund is used by insurance companies to manage individual, variable annuity insurance products. Segregated funds are insurance investment products that are similar to mutual funds; however, segregated funds must be issued in conjunction with a life insurance contract. Segregated funds investor may qualify for RESP, TFSA, RDSP and RRSP. 

IVIC’s (Individual Variable Insurance Contracts)

IVIC’s are deferred annuity contracts between the policy owner and the insurance company.  The policy owner makes deposits and the insurance company then invests the money in segregated funds.

Some Benefits Includes:

  • Guaranteed maturity values from 75-100% of your principal after 10 years.
  • Some segregated fund contracts also offer income guarantees.
  • Segregated funds investment may also be protected from creditors.
  • Provide a broad range of investment options similar to mutual funds.

Find Out More

Life Insurance
Living Benefits
Travel Insurance
Contact Us
Tags: Individual Variable Insurance Contracts, IVIC's

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RRSP

What is a A Registered Retirement Savings Plan (RRSP)

A Registered Retirement Savings Plan (RRSP) is a personal savings account registered with the Canadian government to help individuals accumulate capital on a tax-deferred basis for their retirement including tax deductions. The objective is to help individuals grow their savings in a tax free environment to secure an income during retirement years.

Who qualifies?

  • Canadian residents
  • Have a valid Social Insurance Number (SIN)
  • Are 71 years of age or under
  • Have an income and filed a Canadian tax return in the previous year

Advantages

There are various types of RRSP including: individual, spousal, group, and pooled RRSP each with its own benefits. Nevertheless, they all share one common advantage, and that is the tax benefits

Tax deductions

Reduce your taxable income with contributions.

Tax deferral

While in RRSP, your investments can grow on this a tax-deferred account

Income Splitting

The higher income-earning spouse can contribute in their spouse's RRSP.

Canadian government programs

Access funds in your RRSP to help buy your first home or pursue further education.

Contribution Limits

There is a contribution limit on RRSPs accounts, also known as a “deduction limit” which is the maximum amount you can contribute in a given year. To find out the exact amount, check on your most recent Notice of Assessment from the CRA.

As a guideline, your allowable RRSP contribution for the current year is the lower of:

  • 18% of your earned income from the previous year
  • The maximum annual contribution limit for the current tax year
  • The remaining limit after any company sponsored pension plan contributions
Year Contribution Limit
2026
$33,810
2025
$32,490
2024
$31,560
2023
$30,780
2022
$29,210

Source: Canada Revenue Agency

Not sure how much to save?

Contact a 3i Financial Advisor today to see how an RRSP can help your retirement planning and reach your retirement goals.

Contact Us

Find Out More

RESP
TSFA
RDSP
Tags: Old Age, Pension, Tax Advantages

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TFSA

What is a Tax-Free Savings Account (TFSA)?

The Government of Canada introduced the Tax Free Savings Account (TFSA) in 2009 to provide Canadians with a personal savings vehicle, tax free.

Who qualifies?

Canadian residents with a valid Social Insurance Number (SIN) and is 18 years of age or older.

Note: Non-residents may be eligible to open a TFSA account; however, contributions are subject to tax.

Advantages

As an incentive for parents to contribute to their child’s post-secondary education, the federal government offers two funding mechanisms.

  • Tax-free on any investment earnings
  • Tax-free withdrawals
  • Anyone over the age of 18 can invest
  • Contribution limits are not determined by income
  • No impact on government benefits

Contribution limit

The amount that you can contribute to your TFSA is limited to your contribution room.

  • The 2026 TFSA contribution limit is $7,000.
  • Canadian residents that have never contributed to a TFSA, and were 18 years or older in 2009 have a contribution
    room of $109,000 for 2026

The annual TFSA dollar limit for each of the years from 2009 to 2026 are:

Year Annual Contribution Limit
2024-2026
$7,000
2023
$6,500
2019 to 2022
$6,000
2016 to 2018
$5,500
2015
$10,000
2013 and 2014
$5,500
2009 to 2012
$5,000

Source: Canada Revenue Agency

Contact a 3i Financial Advisor today to develop a plan that ensures you to take advantages of the tax-free savings strategies of a TFSA

Contact Us

Find Out More

RRSP
RESP
RDSP
Tags: Future Goal

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Join as 3i Advisor

Make yourself a standout with 3i Financial

Here at 3i Financial our goal is to enhance our advisor’s competitive edge within the industry!

Learn More about us

Why Join 3i?

We are committed to provide an environment that fosters trust, fairness, and equality. 3i works in partnership with our advisors through ongoing support and training to provide an enriching environment where they maximize their potential and give back to their clients and communities.

Member of CIRO

  • Licensed to distribute Mutual Funds

Ethical Conduct

  • Promote integrity and honesty
  • Our clients always come first

Competitive Fees

  • No desk or admin fees
  • One of the lowest system fees in the market
  • High commission rates

Support

  • Mentoring from experienced advisors
  • CE credited training sessions twice a month
  • A compliance system to protect you
  • Marketing materials to spread the word

Your "own" client

  • No competition from our other advisors
  • We’ll help you keep and FIND new clients

Variety of Products

  • Unbiased and objective views on the manufacturers and products that you choose
  • Assortment of products to expand your market share
  • Cross sell products
  • Be indispensable to your clients!
  • Extensive range of products to support the needs of your clients for investments and insurance

Send in your resume to hr@3ifinancial.com and start doing more for yourself!

Tags: Join Us, MFDA

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