Leeming team - Investors Group

Helping individuals, families and professionals, create, preserve and transfer wealth.

Laurie Leeming, Senior Financial Consultant, CFP, CPCA
Brian Leeming, Associate Consultant, CFP, CPCA
Erin Gullis, Associate Consultant

If you fail to plan - then you are planning to fail

Company Overview
Investors Group Financial Services Inc. is a Canadian leader in providing personal financial planning services, and is dedicated to building lasting client relationships. Our primary objective is to help Canadians plan for financial security by providing quality financial planning advice and products through a network of Consultants.

Investors Group offers financial planning, a unique family of mutual funds and a comprehensive range of other investment products and financial services, including Registered Retirement Savings Plans, Registered Retirement Income Funds, Deferred Profit Sharing Plans, life and disability insurance, Guaranteed Investment Certificates and mortgages.

Today, Investors Group serves over one million clients through our dedicated Consultant Network and staff team, working out of hundreds of Financial Planning Centres across Canada.

Investors Group Inc. is a member of the IGM Financial Inc. group of companies. The shares of IGM Financial Inc. are listed on The Toronto Stock Exchange. The stock exchange symbol is IGM.

How was 2017 for Canada? Expert insight from Tony Elavia, Chief Investment Officer, discusses how directions of the economy and markets diverged. See our Year in Review: https://goo.gl/TUQxBa

[01/10/18]   Having a good understanding of how much money you’ll need to retire is a great starting point when deciding how much you’ll need to start saving. And, the earlier you start saving, the easier it will be to reach that goal. Knowing how much you’ll need to retire
How old were you when you started saving for retirement? Leave a comment and let me know!

Wishing everyone a safe and happy holiday season!

Did you know.... #RRSP

You’ve spent years building a sound retirement plan. But is it protected? Look at the right insurance options for you, your family and your lifestyle. Protect your future and your retirement plans. https://goo.gl/5YSa4H

[09/18/17]   Are you planning to purchase a new home? Here is some basic mortgage info to get you started http://goo.gl/w4ilN8

Saving money now, and later, could be as simple as looking into mortgage options. https://goo.gl/95jY7M

RRSPs are always in season. “Now” is always the right time. Whether contributing a little or a lot, let every penny grow to its full potential.

Policy Interest Rate


In an update yesterday, the Bank of Canada announced a raise in interest rates for the first time in 7 years. See details here:

bankofcanada.ca Changes in the key interest rate influence other interest rates, and so affect people’s spending decisions.

Your retirement plan is as unique as you are.
RRSPs might be ideal for some, there are other options for soon-to-be retirees to consider.

It’s important to keep everybody on track with your wishes for your legacy. We can help make an uncomfortable topic more comfortable https://goo.gl/ojYRMO

Federal Budget 2017 | Investors Group More


#Budget2017. Wondering how it might affect you? Read our summary to get the details. https://goo.gl/N3OTm3

investorsgroup.com The 2017 Federal Budget, released on March 23, contains several items of interest to Investors Group and its clients.

[02/10/17]   It's RRSP season! Do you know your limit? You can find your personal maximum allowable contribution on your most recent notice of assessment from the Canada Revenue Agency. Contact us to learn more.

[01/12/17]   Whether it was Donald Trump’s unforeseen victory or Brexiting Europe, there were several items that impacted the untamed markets of 2016. Peruse through the year that was to learn more: https://goo.gl/f6c9c1

May the Christmas season fill your home with joy,
your heart with love, and your life with laughter

~The Leeming Team

How excited are you about the thought of retiring?

Mortgage Contact Form | Investors Group


In the market for a new home? A new rule for high-ratio mortgages affects home buyers with a down payment of less than 20%. Get the right advice first. Our Mortgage Planning Specialists can help you understand what this new rule means, helping you plan for the home you want.

investorsgroup.com Fill out the form below to arrange a free mortgage consultation with an Investors Group Mortgage Planning Specialist to discuss your mortgage needs without obligation.

Life insurance a cheaper alternative to mortgage insurance, experts say


Interesting article, please contact us if you want more information.

cbc.ca Canadians looking to wrap up new home purchases might find that life insurance is a more flexible and less pricey alternative to mortgage insurance obtained through a bank, say personal finance experts.

Introduce us to a friend, family member or colleague and you could win a trip for two to Brazil! Make an introduction today: http://goo.gl/fs3ACj

Breaking up is hard to do | Investors Group


After months of campaigning the Brexit results are in: A majority of Britoners have said they want to leave the European Union. What does this mean for Canada? From a trade perspective, not much as our country doesn’t do nearly as much business with Europe as it does with America. However, global stock markets did drop in the face of continued uncertainty. Investors, though, shouldn’t panic. While some experts did predict a market fall, most aren’t calling for a recession. It’s also important to remember that stocks do rise over time and long-term investing is a much better strategy than reacting to short-term news. Stick to your financial plan and you’ll be OK. Read more here : http://goo.gl/hbXqbp

Any questions, please feel free to contact us!

investorsgroup.com Vote to leave leads to global market declines and higher volatility

Investors Group

Are you making these common #tax mistakes on your return? Advice from our expert dispels certain myths, while helping you make proper claims and avoid penalties.

Federal Budget 2016 | Investors Group More


investorsgroup.com The 2016 federal budget, released on March 22, contains several items of interest to Investors Group and its clients.

Last-minute RRSP tips


February 29th is the deadline, have you made your RRSP contribution yet??

lfpress.com The deadline for making your 2015 contribution to investments held in your registered retirement savings plan (RRSP) is only a few days away — but you can still enhance your retirement nest egg and save on taxes when you take advantage of these last-minute RRSP tips.

[02/12/16]   RRSPs are just one part of your retirement plan. Let’s build a sound retirement. http://goo.gl/PVeODr

Have you ever considered moving your UK pension to Canada?


linkedin.com QROPS - Qualified Recognized Overseas Pension Scheme, allows you to transfer your pension to an RSP tax free! You've seen the adverts in between English Premier League games at the weekend, now's the

Liberals detail how they will roll back TFSA contribution limits | Investors Group

On Monday, Federal Finance Minister Bill Morneau announced that Tax Free Savings Account contribution limits will revert back to $5,500. Stephen Harper had increased the limit to $10,000 for 2015. As of January 1, 2016 the total lifetime TFSA contribution limit will be $46,500. Please let us know if you would like to contribute before the end of the year.

investorsgroup.com Federal Finance Minister Bill Morneau confirmed Monday that the contribution limit on the tax-free savings account will drop back to $5,500 from $10,000 effective Jan. 1, 2016, but that the limit for 2015 will remain untouched. Mr. Morneau also announced that contributions will be indexed to inflati…

[12/08/15]   The Leeming team would like to welcome Vince Merry as a new Associate Consultant. Vince has joined us after 25 years in Foreign Exchange with RBC. Welcome to the team Vince!

It’s time to get real about retirement planning


You know you need to save long and hard for retirement, that the right approach is a diversified portfolio with a long-term focus and that longer lifespans mean you should be thinking about having enough money to last into your 90s.

theglobeandmail.com Survey of 1,532 older Canadians points out some serious gaps between the expectations and reality of making your later years golden. Not everything works according to plan, so it’s better to prepare early and save as much as you can for the unexpected expenses down the road

Nearly half of Canadians forced to retire earlier than planned, poll shows


Are you ready? Give us a call if you would like us to review your plan and get you ready for retirement.

theglobeandmail.com A new study revealed that 48 per cent of respondents retired because of circumstances beyond their control, and 27 per cent of that group are struggling to make ends meet

Nine tips to help your heirs deal with your eventual death


A will is an essential and responsible part of any Financial Plan; a well considered Estate Plan is something every family should be grateful for. Read these important tips before formulating your estate plan.

business.financialpost.com Death. A sweet release? Hardly, at least for your family and associates, especially if you didn’t leave explicit instructions on how to divide up your estate

Here's How Tax Changes In Federal Budget Will Affect Seniors


The federal budget was released today. As expected the government increased Tax Free Savings Accounts limits from $5,500 annually to $10,000, effective immediately.

huffingtonpost.ca OTTAWA - Tuesday's federal budget provides seniors and those with a few extra dollars to save with a measure of flexibility in managing their nest eggs.The government increased the annual contribution limits to tax-free savings accounts to $10,000 fr...

No will, many obstacles | FromYourAdvisor.ca


Do you have a will? If so, when was the last time that it was updated?
Here's a good article talking about the consequences of dying intestate (without a will).

fromyouradvisor.ca The financial issues associated with dying without a will begin almost immediately.

Bank of Canada shocks markets with cut in key interest rate


Do you have a Variable Rate Mortgage or Line of Credit?
Big news from the Bank of Canada, they are reducing their lending rate by 0.25%.

cbc.ca The Bank of Canada surprised markets today by cutting its overnight lending rate by a quarter of a percentage point - the first change in the key rate since September 2010.

Been neglecting your RRSP? All is not lost


It's never too late to start.....

theglobeandmail.com It’s never too late to start, and your salary is probably at or near its high point

[12/22/14]   Wishing everyone a joyous holiday season and a New Year filled with peace and happiness.

Adopt a long-term outlook | FromYourAdvisor.ca


Here's a great article that can shine some light on volatility within the Canadian and US markets.

Over the past decade, we've heard a lot about the 2008 financial crisis among many other negative issues, regardless, the TSX has still returned north of 8%.

fromyouradvisor.ca Choppy markets can lead to buying opportunities.

What would happen if you couldn’t work?


What do you think your most valuable asset is?

Many people think it would be their cars or homes when actually it is your ability to earn an income. What would your life look like if you could no longer work and earn money?

brighterlife.ca Most of us don’t think of our income as our single biggest asset -- but it is. Disability insurance is designed to protect it.

Infographic: Wealthy Canadians Use Mortgages as Investment Tool | MoneyWise


What mortgage strategy do you have in place??

ratesupermarket.ca Breaking News Mortgage News Infographic: Wealthy Canadians Use Mortgages... Infographic: Wealthy Canadians Use Mortgages as Investment Tool Posted on July 17, 2014 by Sean Cooper Leave a comment We’re often told paying off your mortgage as quickly as possible is the best investment you can make, but…

Registered Education Savings Plans (RESPs), simply put (Video)


Here's a good video outlining how RESP's work. The government will match 20% of the money you put in ($500 maximum grant per year) in addition to an annual bond (that is income tested).

Where else can you get a guaranteed 20% rate of return?

brighterlife.ca Tax-advantaged savings, combined with free money in the form of government grants, make RESPs a great way to save for your child's future education.

How to get started as an investor


For all those people out there that want to get a better understanding of their finances and get started on the path to success, here's a place to start.

theglobeandmail.com Start by understanding your current financial situation

Why I finally bought life insurance

brighterlife.ca It was only when my husband and I took out a mortgage to buy our very first home that we realized we needed life insurance.

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400-21 King Street West
Hamilton, ON
L8P 4W7
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