Financial Literacy Made Easy


Let us help you float off to an early retirement


Our Philosophy

Providing our client’s the most seamless and understandable approach to investing. A few simple solutions can be the major difference in creating financial security for life.

Our Process

Creatively helping Canadian families reach their financial goals by designing a customized plan. Innovatively working with people, to recognize their short and long term goals. Understanding what you want to achieve, and proactively preparing for the risks along the way.

Our Team

Matthew Hamilton B.A.
Manager, Belyer Insurance Ltd. - Insurance products

Matt was born and raised in Brampton Ontario, after earning a Bachelor’s of Arts Degree in Sociology from Brock University in 2006 he began his career as a Supervisor in the auto industry. Upon moving to Windsor Essex, Matt switched industries and entered the financial sector in 2013 as a Sun Life Financial Advisor. His career progressed moving into a Sales Manager Role which he held for 5 years before taking a position at Belyer Insurance Ltd. as the Division Manager for the Life and Health Department.

He is a father to two boys and a dog who keep him very busy. He spends his time coaching his kids in hockey and baseball, golfing, fishing, and spending time outdoors.

Phone: 1-519-977-4327
Email: Email

Martez Lambert B.A., CPCA®
Investment Fund Specialist, HUB Capital Inc.

Martez Lambert grew up in Windsor, Ontario, Canada.

After earning a Bachelor’s degree in Political Science from the University of Windsor in 2018, Martez entered the financial sector to explore his passion for business and personal finance.  In addition to his primary career functions, he was recognized by Sun Life Financial - District 22 as the top advisor under 5 years of service for the years of 2019 and 2020 before committing to an opportunity with Belyer Insurance Ltd and HUB Capital. 

His hobbies and interests include weekend projects around his house, cars, sports, movies, art, traveling with his spouse and spending time with their dogs.

Martez has a passion for learning and has earned credentials as a Certified Professional Consultant on Aging(CPCA®), and a Responsible Investment Specialist(RIS) to expand his knowledge in the industry.  He is currently studying to earn the Certified Financial Planner – CFP designation.

Phone: 519-563-7638
Email: martez.lambert@hubcapital.ca

Katey Renaud
Administrative Assistant

Katey Renaud grew up in Windsor, Ontario, Canada.

Katey has worked in various customer service roles since she was fourteen. She brings a wealth of knowledge and experience from past endeavors in the financial industry working for an advisor with 33 years of experience. She then was offered a position managing a telecommunications company and took on that role for four years working at various locations throughout Ontario. She took a career break had two children & got married to her husband. After maternity leave she was interested in returning once again to the financial industry as she felt she had more to offer and more room for career growth.

In her free time she loves to spend as much as possible outside with her two young children, take on home projects with her husband or just relax by the lake with her golden retriever. Being around her family and watching her children grow is her life’s greatest joy.

Katey plans on getting licensed in the future so she can take on an advisor role so she can utilize knowledge she has acquired through her assistant position & further develop her skills to serve the needs of our clients.

Phone: 1-519-977-4327
Email: katey.renaud@hubcapital.ca

Testimonials

Our Services

RRSPs and TFSAs

Registered Retirement Savings Plans (RRSP) and Tax-Free Savings Accounts (TFSA) area both useful vehicles in savings for one’s retirement. With a RRSP, eligible contributions are deducted from earnings to reduce income taxes and they remain tax deferred in the plan until they are withdrawn. Eligible TFSA contributions are made with after-tax dollars and the funds are not taxed within the plan or when they are withdrawn.

Calculate your TFSA contribution room

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Registered Education Savings Program (RESP)

A Registered Education Savings Plan (RESP) is designed for parents to accumulate money with the purpose to fund their eligible children’s post-secondary education. Investment earnings accrue on a tax-deferred basis.

What are the main advantages of an RESP?

What are the potential limitations?

The growth on contributions must be used for post-secondary education. If the child does not pursue post-secondary education, all CESG money must be returned to the government. However, contributors can withdraw contributions tax-free and investment earnings can be rolled into the contributor’s RRSP (up to $50,000 and if contribution room is available) or withdrawn in cash. When withdrawn in cash, there is a 20% tax penalty in addition to regular income taxes.

There are restrictions on CESG eligibility for beneficiaries 16 years and older.

Are there any special considerations?

To qualify for CESG money, the plan beneficiaries must have a valid Social Insurance Number.

How much can you put into your RRSP?

https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html

Mutual Funds

Mutual Funds are a collection of securities that are professionally managed according to the mandate assigned to each fund.

They can be purchased with low minimums (such as $500.00) which make them ideal for beginning investors. They also have the ability to have monthly pre-authorized payments setup so that an investor can utilize the dollar-cost averaging method to investing.

Many mutual funds are organized in families meaning that a number of different funds are managed by the same organization. In most cases, investors will be permitted to transfer their investment from one fund to another fund within the same family at little or no charge. An investor can thus, cost effectively modify their mutual fund portfolio as their needs change.

There are various risks associated with different types of mutual funds. Some of the risks are interest rate risk, market risk, currency risk, style risk and lack of liquidity. Not all funds are exposed to all risks. An Investor Questionnaire can assist in determining the suitable asset allocation based on an investors risk profile and time horizon. Mutual funds are considered a long term investment, with the exception of Money Market funds.

Types of Mutual Funds

There are many different types of funds. They are listed below, in order of increasing risk. This list is in no way exhaustive.

Money Markets are a mix of short term bonds, GIC, government T-Bills, bank notes, commercial papers and cash. It is the only mutual fund recommended for a short term investment (less than 3 years).

Bond Funds are comprised primarily of government bonds of various durations and are mid to long term investments (5 to 30 years).

Dividend Funds are usually a mix of preferred shares from various large cap corporations and generally are purchased to produce a stream of income over a mid to long term time horizon.

Income Funds are usually composed of high quality corporate bonds, income trusts and dividend paying preferred shares. The purpose is to produce preferred income over the mid-term.

Conservative Portfolio Funds consist of a number of funds assembled to reduce volatility and still take advantage of the market opportunities. Generally they are professionally rebalanced on a regular basis and the mandate is to preserve capital.

Balanced Funds are a mixture of both bonds and stocks with a defined minimum and maximum percentage for each asset class, for example, 50% each bonds and stocks.

Equity Funds are composed of stocks only and have no fixed income or bond component. They are considered a long term investment.

Moderate Portfolio Funds strive to achieve a greater rate of return with reduced volatility by diversifying within the fund itself and professionally rebalancing on a regular basis. They are a mix of bond and stocks as well as cash. The mandate is often preservation of capital and income.

Growth Portfolio Funds are focused more on growth and a proportionately higher portion of these portfolios are invested in common stocks, both Canadian and foreign. They achieve a greater rate of return with reduced volatility by diversifying within the fund itself and professionally rebalancing on a regular basis. The mandate is commonly growth and a long term horizon is required.

Foreign Equity Funds purchase stocks outside of Canada and can be either geographically specific such as a European fund or invested globally with no specific geographic mandate.

Specialty Funds are the riskiest in the market due to lack of diversification. They are sector or geographic specific such as technology or telecommunications or resources. They are the most volatile and are definitely a long term investment.

Aggressive Portfolio Funds may consist of various equities form specific countries and sectors. They are long term and generally volatile, however, the diversification and regular rebalancing does help reduce both factors somewhat.

Environmental, Social & Governance (ESG Funds)/ Responsible Investing(RI) - products are designed for investors who are looking for attractive return potential and the opportunity to support companies that are committed to sustainability and social responsibility toward people and communities.
EXCLUSION OF PRODUCERS AND SPECIALIZED TRANSPORTERS OF FOSSIL FUELS, AND COMPANIES IN THE CIVILIAN FIREARMS2, NUCLEAR ENERGY AND TOBACCO INDUSTRIES

What are the advantages of mutual funds?

Liquidity – Mutual funds can be redeemed at any time at their current NAV along with any fees or charges at redemption

Professional Management – The most respected money managers are available to the average person who could not afford to hire such professionals themselves.

Preferred taxation – Dividends and capital gains are taxed at lower rates or have tax credits applied.

Low minimums – Large sums are not required to set up an account and that allows the ordinary individual to participate in a normally costly market.

Investor Protection – This is available in the case of fraud.

Diversification – One mutual can hold many different types of stocks and/or bonds from various sectors such as financial services, consumer goods, resources, etc. This is an investment strategy that is designed to lower a portfolio’s overall risk while enhancing returns over time.

Employer Sponsored Pension and/or Group RRSP, TFSA, DPSP

Along with the same tax advantages as a personal RRSP, group retirement plans offer the following benefits: Payroll deductions for immediate tax benefits. Employer contributions enhance your personal contribution amounts. Preferred management fees on pooled funds.

A key way to provide a competitive advantage to large and small business’.  Excellent wat to attract and retain the best employees

Who is Hub Capital Inc.?

Hub Capital Inc. is the Mutual Fund Dealership with whom your advisor is associated. Hub Capital Inc. is registered across Canada as a Mutual Fund dealership and is a member firm of the Mutual Fund Dealers Association (MFDA), which regulates the operations, business conduct, and standards of practice of all of its member firms. Its mandate is to enhance investor protection and maintain investor and public confidence in the Mutual Fund Industry. Having been registered as a Mutual Fund Dealership since 2002, Hub Capital Inc. has maintained an unblemished track record of the highest standards of business practices and ethics. Demanding nothing less than absolute compliance and professional business conduct from all of its representatives and associates, Hub Capital Inc. strives to ensure that all practices are well within prescribed industry regulation and standards. Hub Capital Inc.is a subsidiary of HUB International Limited, a global brokerage company ranked 9 amongst the world’s top Insurance brokerage firms. HUB International has over 330 offices and 7,000 employees across North America, with Hub Capital Inc.specifically managing over $5 Billion in client capital, which is invested in over 20 Mutual Fund companies, including Fidelity, CI, Franklin Templeton, Mackenzie Investments, Invesco, and many more household Mutual Fund company brands. Hub Capital Inc.is a “client name” Mutual Fund Dealership, which, in essence, means the client (investor) owns the investment in his or her own name directly with the underlying Mutual Fund Company, with Hub Capital Inc.acting in the capacity of dealership as the clearing house and trustee to ensure efficient and timely trading with the fund companies on behalf of the advisor and their clients (the investor). Acting as trustee, Hub Capital Inc.allows for increased convenience and efficiencies, enabling clients to invest across multiple fund companies and investment options and providing options for the advisor to provide optimum advice when it comes to product selection and diversification. HUB Capital’s primary objective is to ensure that its advisors are educated, resourced, and supported in a way that equips them to provide the best service, advice, and investment solutions to their clients.

Mutual Funds are provided through Hub Capital Inc. and sold only through prospectus. For more information on mutual funds please contact Martez Lambert Mutual Fund Salesperson with HUB Capital Inc.

Segregated Funds provided through Belyer Insurance Ltd.

A segregated fund is an investment fund that you hold within an insurance contract. The term “segregated” refers to the fact that your investment is separated from the general assets of the insurance company. Your insurance contract dictates the insurance protection you receive. Segregated funds are an insurance contract that provides you with investment management plus protection.

Segregated funds are similar to mutual funds in many respects but provide a number of additional features and benefits.

What are the similarities between segregated funds and mutual funds?

Professional Money Management – Like mutual funds, segregated funds are run by professional money managers who have the experience and skills necessary to effectively manage your money. They also have access to economic data, company research reports and technology that may not generally be available to you.

Diversification – Like mutual funds, segregated funds provide you with access to diversified investment portfolios. Diversification – or spreading your assets among a variety of different investments is an investment strategy designed to lower a portfolio’s overall risk while enhancing returns over time.

Additional Benefits found with segregated funds:

Maturity and Death Guarantees – Depending on the contract, an investor can choose from a number of options that guarantee a minimum of 75% of the total amount you paid to the contract upon death or contract maturity date. Up to 100% can be guaranteed with some insurance companies.

Potential Creditor Protection – This feature is of primary concern for business owners or professionals as their assets may be exposed to creditors. You may be able to achieve potential creditor protection by naming a “preferred” or “irrevocable” beneficiary. The key relationship is between the life insured (the annuitant) and the beneficiary. There are exceptions to this and it is recommended that you consult independent legal counsel.

Estate Planning Made Easy – Proceeds of your contract are paid directly to your beneficiary, avoiding the time and expense of probate. Also, probate is a public process and information associated with it is accessible to the public. By helping your heirs bypass probate, segregated funds can ensure that your personal decisions and information remain the way they are meant to be… personal.

Consumer Protection – Segregated funds are eligible for coverage by Assuris. This plan protects Canadian policyholders, within limits, from loss of benefits in the event of the insolvency of the insurance company.

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Mutual Funds provided through Hub Capital Inc.