{"id":1817,"date":"2025-06-03T12:41:48","date_gmt":"2025-06-03T12:41:48","guid":{"rendered":"https:\/\/gestionphocus.com\/epargne-et-placements\/"},"modified":"2025-06-04T20:53:42","modified_gmt":"2025-06-04T20:53:42","slug":"financial-products-and-services","status":"publish","type":"page","link":"https:\/\/gestionphocus.com\/en\/financial-products-and-services\/","title":{"rendered":"Financial products and services"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1817\" class=\"elementor elementor-1817 elementor-1393\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-046892e e-con-full e-flex e-con e-parent\" data-id=\"046892e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4f2206d e-con-full e-flex e-con e-child\" data-id=\"4f2206d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3e03ffd x-hero-content e-flex e-con-boxed e-con e-child\" data-id=\"3e03ffd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-305bde4 e-con-full e-flex e-con e-child\" data-id=\"305bde4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-378f7e0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"378f7e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Financial products and services<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a32ccc3 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a32ccc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Smart strategies to grow your wealth<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79e2763 elementor-widget elementor-widget-spacer\" data-id=\"79e2763\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89c4e98 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"89c4e98\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At Gestion Phocus, we build plans before making investments. Our approach is personalized, tax-efficient, and designed for long-term growth.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33f7033 e-con-full e-flex e-con e-child\" data-id=\"33f7033\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa619ae elementor-absolute elementor-widget elementor-widget-image\" data-id=\"fa619ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/05\/hero-vector.svg\" class=\"attachment-full size-full wp-image-1719\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89d5b86 elementor-absolute elementor-hidden-tablet elementor-hidden-mobile elementor-invisible elementor-widget elementor-widget-image\" data-id=\"89d5b86\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"x-hero-media\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" fetchpriority=\"high\" decoding=\"async\" width=\"2000\" height=\"2195\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/hero-epargne.webp\" class=\"attachment-full size-full wp-image-1787\" alt=\"\" srcset=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/hero-epargne.webp 2000w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/hero-epargne-273x300.webp 273w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/hero-epargne-933x1024.webp 933w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/hero-epargne-768x843.webp 768w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/hero-epargne-1400x1536.webp 1400w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/hero-epargne-1866x2048.webp 1866w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0999ab4 elementor-absolute elementor-hidden-tablet elementor-hidden-mobile elementor-invisible elementor-widget elementor-widget-image\" data-id=\"0999ab4\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"x-vector-hero-interne\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/hero-vector.svg\" class=\"attachment-full size-full wp-image-1770\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8e81363 e-con-full e-flex e-con e-child\" data-id=\"8e81363\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-72f1c69 e-flex e-con-boxed e-con e-child\" data-id=\"72f1c69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-06f5206 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"06f5206\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8895c2 elementor-widget elementor-widget-image\" data-id=\"c8895c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" width=\"1000\" height=\"937\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/about-epargne.webp\" class=\"attachment-full size-full wp-image-1788\" alt=\"\" srcset=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/about-epargne.webp 1000w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/about-epargne-300x281.webp 300w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/about-epargne-768x720.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43d1b40 e-con-full e-flex e-con e-child\" data-id=\"43d1b40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71eb9ac elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"71eb9ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our financial products and services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8930d84 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8930d84\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">RRSP, TFSA, FHSA, RESP, RDSP, LIRA<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9936f7 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"d9936f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Tax-efficient non-registered accounts<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2f03b0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a2f03b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Cash accounts, GICs<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a1f392 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8a1f392\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Mutual funds and segregated funds<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c045924 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c045924\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">RRIF, LIF, Life annuities<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d555f82 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"d555f82\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">RRSP loans, HBP, LLP<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e341652 e-con-full e-flex e-con e-child\" data-id=\"e341652\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8e099b5 e-flex e-con-boxed e-con e-child\" data-id=\"8e099b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-51571f5 e-con-full e-flex e-con e-child\" data-id=\"51571f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ecfd37 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8ecfd37\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Portfolio analysis and wealth management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1db6467 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"1db6467\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Investment diagnostics<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Personalized recommendations<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Financial and Estate planning<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Wealth management strategies<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f092c61 e-con-full e-flex e-con e-child\" data-id=\"f092c61\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8d4b4b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"b8d4b4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Group savings plans for businesses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61c8b4e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"61c8b4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Group RRSP<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Simplified pension plan (SPP)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">VRSP (Voluntary retirement savings Plan)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">DPSP (Deferred profit sharing plan)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab024cf e-con-full e-flex e-con e-child\" data-id=\"ab024cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-874bf98 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"874bf98\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fad66ec e-con-full e-flex e-con e-child\" data-id=\"fad66ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b76f7d8 e-flex e-con-boxed e-con e-child\" data-id=\"b76f7d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d6532eb e-con-full e-flex e-con e-child\" data-id=\"d6532eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-415e766 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"415e766\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" width=\"1000\" height=\"1110\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/mask-epargne.webp\" class=\"attachment-full size-full wp-image-1790\" alt=\"\" srcset=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/mask-epargne.webp 1000w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/mask-epargne-270x300.webp 270w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/mask-epargne-923x1024.webp 923w, https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/mask-epargne-768x852.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d76720 elementor-absolute x-vector-top elementor-invisible elementor-widget elementor-widget-image\" data-id=\"4d76720\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/vector-01.svg\" class=\"attachment-full size-full wp-image-1791\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad2e54c elementor-absolute x-vector-top elementor-invisible elementor-widget elementor-widget-image\" data-id=\"ad2e54c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/vector-01.svg\" class=\"attachment-full size-full wp-image-1791\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07ab021 elementor-absolute x-testi_grenat elementor-invisible elementor-widget elementor-widget-image\" data-id=\"07ab021\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/testi-grenat.svg\" class=\"attachment-full size-full wp-image-1767\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fce1ebd elementor-absolute x-testi-lune elementor-invisible elementor-widget elementor-widget-image\" data-id=\"fce1ebd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img alt=\"\" decoding=\"async\" src=\"https:\/\/gestionphocus.com\/wp-content\/uploads\/2025\/06\/testi-lune.svg\" class=\"attachment-full size-full wp-image-1768\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b38b7a9 e-con-full x-testi-slider-wrap e-flex elementor-invisible e-con e-child\" data-id=\"b38b7a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a967e9b elementor-widget elementor-widget-heading\" data-id=\"a967e9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why invest with Gestion Phocus?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24a145d elementor-widget elementor-widget-text-editor\" data-id=\"24a145d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Are you an entrepreneur, professional, or investor? Our approach is built for you. We help you turn your capital into a strategic tool \u2014 for growth, wealth transfer, and financial freedom.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dca98ea e-con-full e-flex e-con e-child\" data-id=\"dca98ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-deb2543 e-flex e-con-boxed e-con e-child\" data-id=\"deb2543\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-20af079 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"20af079\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21f28fc elementor-widget elementor-widget-heading\" data-id=\"21f28fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A good savings plan is like a good workout<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7871168 elementor-widget elementor-widget-text-editor\" data-id=\"7871168\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Structured, consistent, and performance-driven. Our advisors are here to guide you every step of the way.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96bd51c elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"96bd51c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M7.23018 15H6.76656C6.28712 14.9026 5.84767 14.7264 5.44729 14.442C4.00897 13.4197 2.56507 12.4042 1.11699 11.3954C0.36226 10.8694 0.000937092 10.1703 0.00372723 9.26924C0.0125627 6.82034 0.0111676 4.371 7.04574e-06 1.9221C-0.000923 1.6796 0.0902215 1.53266 0.273906 1.39834C0.902152 0.939029 1.62201 0.681204 2.37255 0.489187C3.55046 0.188089 4.75254 0.0659376 5.96672 0.0222153C7.87982 -0.0462978 9.7799 0.0258213 11.6442 0.492792C12.3724 0.675344 13.0695 0.931817 13.6805 1.3749C13.8893 1.52635 14.0014 1.69042 14 1.97033C13.986 4.39669 13.9832 6.8235 13.9963 9.2503C14.0014 10.1716 13.6289 10.8775 12.8616 11.4112C11.6572 12.2491 10.4616 13.0992 9.26233 13.9439C8.63455 14.3861 8.04118 14.89 7.22972 15H7.23018Z\" fill=\"#B6142F\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBook a meeting with a member of our team to build an investment strategy that reflects you.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc44e79 e-con-full e-flex e-con e-child\" data-id=\"bc44e79\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5908848 e-flex e-con-boxed e-con e-child\" data-id=\"5908848\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-46317f9 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"46317f9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-370bba4 elementor-widget elementor-widget-heading\" data-id=\"370bba4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a24c667 elementor-widget elementor-widget-text-editor\" data-id=\"a24c667\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Find answers to the most frequently asked questions about our financial services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8271779 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"8271779\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a0aa9d2b8994\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-8271779\">\n                        <a href=\"#collapse-08a172d6a0aa9d2b8994\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-08a172d6a0aa9d2b8994\" aria-expanded=\"false\" aria-controls=\"Collapse-08a172d6a0aa9d2b8994\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the most profitable investment?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#E2E7ED\"><\/rect><path d=\"M26.5 18.5H20.5V12.5H18.5V18.5H12.5V20.5H18.5V26.5H20.5V20.5H26.5V18.5Z\" fill=\"#46041D\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#46041D\"><\/rect><path d=\"M12.5 18.5H26.5V20.5H12.5V18.5Z\" fill=\"#FFC3AA\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-08a172d6a0aa9d2b8994\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-8271779\" data-parent=\"#accordion-6a0aa9d2b8994\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>There is no single \u201cmost profitable\u201d investment \u2014 returns depend on several factors:<\/p><ul><li>Your investor profile (risk tolerance, investment horizon)<\/li><li>The economic context (interest rates, inflation, market conditions)<\/li><li>The type of investment (stocks, bonds, real estate, funds, guaranteed investments, etc.)<\/li><\/ul><p>Speak with one of our advisors to explore the options best suited to your current situation.<\/p><p><b>How much should you save for retirement?<\/b><\/p><p>The amount you need to save for retirement depends on various personal factors:<\/p><ul><li>Your current age and planned retirement age<\/li><li>Your income and desired lifestyle in retirement<\/li><li>Expected income sources (QPP, pension, RRSP, TFSA, private funds, etc.)<\/li><li>Your debts, assets, and future expenses (mortgage, healthcare, travel, etc.)<\/li><\/ul><p>Every situation is unique. At Gestion Phocus, we create customized retirement plans that reflect your reality, your goals, and your time horizon.<\/p><p>Our advisors will help you determine the right savings target \u2014 and how to reach it, step by step.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-8271779\">\n                        <a href=\"#collapse-0f1df616a0aa9d2b8994\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0f1df616a0aa9d2b8994\" aria-expanded=\"false\" aria-controls=\"Collapse-0f1df616a0aa9d2b8994\">\n                            \n                            <span class=\"ekit-accordion-title\">How much should you save for retirement?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#E2E7ED\"><\/rect><path d=\"M26.5 18.5H20.5V12.5H18.5V18.5H12.5V20.5H18.5V26.5H20.5V20.5H26.5V18.5Z\" fill=\"#46041D\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#46041D\"><\/rect><path d=\"M12.5 18.5H26.5V20.5H12.5V18.5Z\" fill=\"#FFC3AA\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0f1df616a0aa9d2b8994\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-8271779\" data-parent=\"#accordion-6a0aa9d2b8994\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The amount you need to save for retirement depends on various personal factors:<\/p><ul><li>Your current age and planned retirement age<\/li><li>Your income and desired lifestyle in retirement<\/li><li>Expected income sources (QPP, pension, RRSP, TFSA, private funds, etc.)<\/li><li>Your debts, assets, and future expenses (mortgage, healthcare, travel, etc.)<\/li><\/ul><p>Every situation is unique. At Gestion Phocus, we create customized retirement plans that reflect your reality, your goals, and your time horizon.<\/p><p>Our advisors will help you determine the right savings target \u2014 and how to reach it, step by step.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-8271779\">\n                        <a href=\"#collapse-32274876a0aa9d2b8994\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-32274876a0aa9d2b8994\" aria-expanded=\"false\" aria-controls=\"Collapse-32274876a0aa9d2b8994\">\n                            \n                            <span class=\"ekit-accordion-title\">What\u2019s the difference between low, medium, and high-risk investments?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#E2E7ED\"><\/rect><path d=\"M26.5 18.5H20.5V12.5H18.5V18.5H12.5V20.5H18.5V26.5H20.5V20.5H26.5V18.5Z\" fill=\"#46041D\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#46041D\"><\/rect><path d=\"M12.5 18.5H26.5V20.5H12.5V18.5Z\" fill=\"#FFC3AA\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-32274876a0aa9d2b8994\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-8271779\" data-parent=\"#accordion-6a0aa9d2b8994\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>An investment\u2019s risk level determines its return potential and volatility:<\/p><ul><li><b>Low risk<\/b>: Stable, predictable returns, but limited growth (e.g., GICs, government bonds). Ideal for conservative investors or short-term goals.<\/li><li><b>Medium risk<\/b>: A balance between stability and growth (e.g., balanced funds, corporate bonds). Suitable for medium- or long-term goals)<\/li><li><b>High risk<\/b>: Greater potential returns, but with higher volatility (e.g., stocks, emerging markets). Best for investors comfortable with risk.<\/li><\/ul><p>At Gestion Phocus, we assess your investor profile to recommend the right mix of these investment types.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-8271779\">\n                        <a href=\"#collapse-b5a31e26a0aa9d2b8994\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b5a31e26a0aa9d2b8994\" aria-expanded=\"false\" aria-controls=\"Collapse-b5a31e26a0aa9d2b8994\">\n                            \n                            <span class=\"ekit-accordion-title\">Is an RRSP or a TFSA better?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#E2E7ED\"><\/rect><path d=\"M26.5 18.5H20.5V12.5H18.5V18.5H12.5V20.5H18.5V26.5H20.5V20.5H26.5V18.5Z\" fill=\"#46041D\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#46041D\"><\/rect><path d=\"M12.5 18.5H26.5V20.5H12.5V18.5Z\" fill=\"#FFC3AA\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b5a31e26a0aa9d2b8994\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-8271779\" data-parent=\"#accordion-6a0aa9d2b8994\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>There\u2019s no one-size-fits-all answer \u2014 it depends on your situation. RRSPs often help reduce taxes if your income is high, while TFSAs offer more flexibility, with tax-free withdrawals at any time. RRSPs are mainly for retirement, while TFSAs can support multiple projects.<\/p><p>At Gestion Phocus, we help you choose the most profitable strategy based on your goals.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-8271779\">\n                        <a href=\"#collapse-520a4526a0aa9d2b8994\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-520a4526a0aa9d2b8994\" aria-expanded=\"false\" aria-controls=\"Collapse-520a4526a0aa9d2b8994\">\n                            \n                            <span class=\"ekit-accordion-title\">What\u2019s the difference between an RRSP and a TFSA?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#E2E7ED\"><\/rect><path d=\"M26.5 18.5H20.5V12.5H18.5V18.5H12.5V20.5H18.5V26.5H20.5V20.5H26.5V18.5Z\" fill=\"#46041D\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#46041D\"><\/rect><path d=\"M12.5 18.5H26.5V20.5H12.5V18.5Z\" fill=\"#FFC3AA\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-520a4526a0aa9d2b8994\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-8271779\" data-parent=\"#accordion-6a0aa9d2b8994\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>RRSPs (Registered Retirement Savings Plans) and TFSAs (Tax-Free Savings Accounts) are both tax-advantaged tools, but they serve different purposes.<\/p><p>RRSPs are primarily for retirement. Contributions are tax-deductible, which lowers your taxable income. Investments grow tax-free, but withdrawals are taxed. RRSPs are ideal if you expect to be in a lower tax bracket in retirement.<\/p><p>TFSAs are more flexible. Contributions aren\u2019t tax-deductible, but any gains and withdrawals are tax-free, no matter the purpose. You can access your funds anytime, without tax consequences \u2014 whether for a project, emergency, or retirement.<\/p><p>We help you use both tools in a complementary way based on your priorities.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-8271779\">\n                        <a href=\"#collapse-c6307ef6a0aa9d2b8994\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c6307ef6a0aa9d2b8994\" aria-expanded=\"false\" aria-controls=\"Collapse-c6307ef6a0aa9d2b8994\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the annual RRSP contribution limit?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#E2E7ED\"><\/rect><path d=\"M26.5 18.5H20.5V12.5H18.5V18.5H12.5V20.5H18.5V26.5H20.5V20.5H26.5V18.5Z\" fill=\"#46041D\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><rect width=\"39\" height=\"39\" rx=\"19.5\" fill=\"#46041D\"><\/rect><path d=\"M12.5 18.5H26.5V20.5H12.5V18.5Z\" fill=\"#FFC3AA\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c6307ef6a0aa9d2b8994\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-8271779\" data-parent=\"#accordion-6a0aa9d2b8994\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Generally, you can contribute up to 18% of your earned income from the previous year, up to an annual maximum set by the Canada Revenue Agency. Unused contribution room accumulates and can be used later.<\/p><p>To find your exact limit, log into your secure account on the CRA website.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Financial products and services Smart strategies to grow your wealth At Gestion Phocus, we build plans before making investments. Our approach is personalized, tax-efficient, and designed for long-term growth. Our financial products and services RRSP, TFSA, FHSA, RESP, RDSP, LIRA Tax-efficient non-registered accounts Cash accounts, GICs Mutual funds and segregated funds RRIF, LIF, Life annuities [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Gestion Phocus | Financial Products and Services | Montreal","_seopress_titles_desc":"Reach your financial goals. Planning, investment strategies, retirement, and more. Personalized advice to grow your wealth.","_seopress_robots_index":"","footnotes":""},"class_list":["post-1817","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/pages\/1817","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/comments?post=1817"}],"version-history":[{"count":28,"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/pages\/1817\/revisions"}],"predecessor-version":[{"id":2236,"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/pages\/1817\/revisions\/2236"}],"wp:attachment":[{"href":"https:\/\/gestionphocus.com\/en\/wp-json\/wp\/v2\/media?parent=1817"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}