With an indexed defined benefit pension, does Benjamin still need to contribute to a TFSA or RRSP?

Special to the The Globe and Mail – By Dianne Maley

A few years back, Benjamin made …

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Key Relationships

Macdonald, Shymko & Company Ltd.’s (MSC’s) key relationships are instrumental in our clients’ success.  We share these links with you for your information;  we receive no compensation or other consideration for doing so.

Professional Associations:



  • Institute of Advanced Financial Planners (IAFP)
  • Portfolio Management Association of Canada (PMAC)
  • National Association of Personal Financial Advisors (NAPFA)
  • Financial Planning Standards Council (FPSC)


FinaMetrica Pty Limited:

Given our focus on establishing a structured investment approach, and ensuring we have a complete understanding of our clients, we have subscribed to the services of FinaMetrica (, which is a scientifically based Risk Tolerance Assessment tool.  The FinaMetrica system is made up of three parts:

  • a psychometric test of personal financial risk tolerance,
  • a method for taking the results of the test into account in the financial planning process, and
  • educational materials designed to personalize the explanation of investment risk and return to help investors better understand how their investments might perform in the future.

Agency Relationships:

MSC also has negotiated Agency relationships with financial institutions for GIC purchases. Since MSC does not accept commissions, many institutions have agreed to add MSC’s declined commission to the already enhanced Agent interest rates offered to MSC clients. Accordingly, clients may receive hundreds of additional dollars in interest over the term of a GIC purchase, and thousands over the course of our relationship.


MSC remains vigilant for real estate and tax efficient investment opportunities that may benefit our clients. MSC clients also enjoy direct access to real estate investment opportunities and money managers/investment counsel firms (negotiated management fees).

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