At Kalia Financial, we understand that financial needs change over time. That's why we offer a suite of invesment products and servies suited for everfy stage of life.

"We can help you with segregated fund policies, RRSP's, loans, guranteed investments, payout annuities more "


"You have a variety of needs that we can satisfy with insurance. Whether it's life insurance, disability insurance, critical illness insurance or health and dental insurance, we can help"


Achieving a comfortable, secure retirement has been a dream for decades but, as baby boomers approach retirement age, our definition of retirement is changing. So as people change their retirement goals, the fundamentals of saving for retirement are changing too. Realistically, the coming generation of retirees will face more and different financial challenges than previous generations. 

We asked, "What are the biggest concerns and challenges you have for retirement?" 
Canadians say: Longevity, Interest Rates, Inflation and Market Volatility. 

When looking at a retirement period that lasts 20 to 30 years or more, you have to consider the effect of inflation will have on your retirement savings. Planning for 30 years of retirement income is very realistic, especially for a couple. Inflation constantly erodes the buying power of your savings. To illustrate this point, the price of a cup of coffee in a restaurant has risen 560 per cent and a simple postage stamp has gone up by 637 per cent in 30 years.
If the combination of withdrawals and inflation outstrips interest rates, drawing income in the latter stages of retirement will be difficult. 4 in 10 Canadians are "very concerned" or "extremely concerned" that retirement income would not be able to keep up with inflation.
Therefore, it is our responsibility to educate and devise plans so that you and your family are well equipped to live a happy, sustainable life well into your retirement without the sudden worries that can hit like a ton of bricks. 

For example, one option to consider is an investment to take advantage of guarantees that can provide predictable, sustainable, and potentially increasing income....a necessary and highly desirable part of a secure retirement plan. A return of principle guarantee through regular withdrawals, a 5 per cent guarantee bonus that's available each year in the first 10 years if income is not taken and finally automatic resets to lock-in market gains. 

With so much information available today, it can be difficult and frustrating to truly understand which plan is going to be the best for you and your family. So it's our responsibility and duty to advise our clients with the best available information and develop strategies that are effective. So, give us a call and let's do a review and a Financial Needs Analysis together.

Now there's an investment solution to help manage the concerns and challenges you have for retirement - IncomePlus

  • Predictable income guaranteed not to decrease no matter how investments perform* 
  • Sustainable income that will last for life or at least until the principal is
  • completely repaid* 
  • Potentially increasing guaranteed income to help offset inflation 
  • The flexibility to change your investment or access your savings at any time
  • Tax-efficient income when held in a non-registered account 
  • Benefits that ensure the smooth transition of your estate 
  • Potential creditor protection

Guaranteed Withdrawal Balance (GWB)
The Guaranteed Withdrawal Balance available through Income Plus is the minimum amount guaranteed to be available to you for future withdrawals. 

Lifetime Withdrawal Amount (LWA)
Beginning at age 65, the Lifetime Withdrawal Amount provides a guaranteed stream of annual payments of five per cent of the GWB for life.

Guaranteed Withdrawal Balance Bonuses
Five per cent bonuses increase the Guaranteed Withdrawal Balance in years when no withdrawals are taken. Bonuses are available for 15 years after the first deposit to Income Plus. Bonuses are not cash payments.