YOUR DREAMS.YOUR LIFE.SIMPLIFIED.YOUR DFSIN ADVISOR: BECAUSE EVERYTHING IS POSSIBLE.

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* DFSIN stands for Desjardins Financial Security Independent Network.** Only mutual fund representatives associated with Desjardins Financial Security Investments Inc. have access to mutual funds.

1EXPERTISEDFSIN advisors are fully accredited and skilled professionals. They can give you advice that is right for your unique situation, whatever it may be. Focusing on your needs, your values and your priorities, your advisor develops a comprehensive plan using a variety of appropriate investment and insurance solutions.

OBJECTIVITYDFSIN advisors are impartial; they are not tied to specific products or companies. They have access to investment products from more than 80 fund companies** and insurance products from nearly 20 leading insurers. Your advisor makes objective recommendations and, out of the thousands of financial products available, selects the ones that will best meet your specific needs.

RELEVANCEYour advisor is continually updating his knowledge of the financial security field. By keeping up with the latest developments on the economic front, he can provide you with advisory services tailored not only to your situation but also to evolving market conditions and financial products. Your advisor will regularly send you relevant information that you may find interesting.

FAMILIARITY All DFSIN advisors know their clients well. That’s how they can help clients make informed choices and look to the future with confidence and peace of mind. Your advisor is a member of your community who understands where you’re coming from.

YOUR DFSIN* ADVISOR:BECAUSE EVERYTHING IS POSSIBLE.A DFSIN financial services advisor is a professional who can guide you in your financial choices, analyze your situation and present a strategy to help you reach your goals – while offering protection from life’s unexpected challenges.

Before silencing your phone for your meeting, you put it on the desk

to show the person you’ve come to see some photos from your most recent trip. You’re already

planning the next one! But you have other plans, too. You talk about the future, kids,

career, mortgage, retirement, all the things you dream of doing, the people who depend on you and the things that worry you. You also

talk about the investments that give you peace of mind and security.

Your host listens carefully and responds with some ideas. Makes some calls. Suggests

approaches. Everything becomes simpler, and possible. For a minute, you even have the impression that she is more passionate

about it than you are.

That’s normal. She’s your DFSIN advisor.

Financial planning is a way of engaging different

mechanisms to help you achieve all your goals,

regardless of your situation.

WHAT ARE YOUR PRIORITIES TODAY?

WHAT WILL THEY BE TOMORROW?Reduce your tax bill

Organize your personal finances

Save for retirement

Finance a personal project, a trip, a sabbatical

Protect your family’s standard of living from unexpected events

Shelter your loved ones from the costs and consequences of a loss of independence

Facilitate the transfer of your estate to your heirs

SOLUTIONS FOR EVERY STAGE OF YOUR LIFEYour DFSIN advisor will help you prepare a financial security plan that can evolve over the years as your needs change.2

PERSONAL FINANCE• Budget planning • Debt management • Project financing

INSURANCE• Life insurance • Living benefit plans

INVESTMENTS • Investment policy, investor profile and periodic reviews • Second opinion on portfolio • Improving net worth • Systematic personal saving • Use of loans to leverage investments

TAX PLANNING• General assessment • Tax analysis of investment portfolios • Tax strategies during lifetime, after death, or with foreign assets • Government programs

RETIREMENT • Planning for goals and needs • Risk management • Accumulation strategies • Pay-out strategies

LEGAL CONSIDERATIONS• Will and living will • Marriage or civil union contract

ESTATE PLANNING• Transfer of assets upon death • Testamentary trusts • Estate inventory • Estate tax assessment

COMPONENTS OF A COMPREHENSIVE

PERSONAL PLAN

FINANCIAL PRODUCTS

FOR EACH OF YOUR

PRIORITIESYour DFSIN advisor makes use

of a variety of financial products to put all the components

of your plan to work.

MAKE YOUR PLANS – AND YOUR DREAMS –

COME TRUEInvestment products to help you

save for retirement or for a project that’s important to you.

INVESTMENT PRODUCTSTerm investments

Guaranteed investment funds

Mutual funds*

FLEXIBLE, TAX-EFFICIENT PLANS

ACCUMULATION PLANSTax-Free Savings Account (TFSA)

Registered Education Savings Plan (RESP)

Registered Retirement Savings Plan (RRSP)

Locked-in Retirement Account (LIRA)

Individual Pension Plan (IPP)

PAY-OUT PLANSRegistered Retirement Income Fund (RRIF)

Life Income Fund (LIF)

Locked-in Retirement Income Fund (LRIF)

SAFEGUARD THE QUALITY OF LIFE FOR YOU AND YOUR LOVED ONESInsurance products to provide capital or income in the case of an accident, death or health problems, and products to optimize your retirement income.Life insurance

Disability insurance

Critical illness insurance

Long-term care insurance

Life annuity

* Mutual funds are distributed through Desjardins Financial Security Investments Inc.

YOURDFSIN

ADVISOR

YOU

DFSINFINANCIAL

CENTRE

DESJARDINSFINANCIALSECURITY

INDEPENDENTNETWORK

Together with SFL Partner of Desjardins Financial Security in Quebec, a network

of over 1,500 independent advisors and partner firms, and more

than 40 financial centres.

OPTIINSURANCEAn insurance broker

offering access to products from approximately

20 insurance providers.

DESJARDINS FINANCIAL SECURITY

INVESTMENTS INC.A financial services firm offering over 3,000 mutual funds from

more than 80 companies, along with a range of associated

products and services.

DESJARDINS INSURANCE1

A leading Canadian financial institution. Over five million

clients in Canada. Over 3,900 employees. More than

$36 billion in assets under management.

DESJARDINSGROUP

The largest cooperative financial group in Canada.

$212 billion in assets. Ranks assecond strongest financial

institution in the world(Bloomberg, 2014).

A WHOLE WORLD CONTRIBUTING TO YOUR SUCCESSTHROUGH YOUR DFSIN ADVISOR, YOU HAVE A VAST NETWORK WORKING TO SERVE YOU, AND YOU BENEFIT FROM THE STRENGTH OF DESJARDINS – ONE OF CANADA’S LARGEST FINANCIAL INSTITUTIONS.

All DFSIN advisors are members of the extended family of Desjardins Financial Security Independent Network. They are also backed by the expertise of the multidisciplinary team at their financial centre, a valuable source of skillful, knowledgeable support.

They always have access to specialists who can complement their own expertise, particularly in such areas as law, taxation, estate planning and accounting.

But above all, your advisor’s work aligns with the core missions of Desjardins, the largest cooperative financial group in Canada: protecting the interests of members and clients by offering them profitable and secure financial products and services. Because for Desjardins, it’s all about people.

1 Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company, a provider of life and health insurance and retirement savings products. Figures as of December 31, 2013.

YOURDFSIN

ADVISOR

YOU

DFSINFINANCIAL

CENTRE

DESJARDINSFINANCIALSECURITY

INDEPENDENTNETWORK

Together with SFL Partner of Desjardins Financial Security in Quebec, a network

of over 1,500 independent advisors and partner firms, and more

than 40 financial centres.

OPTIINSURANCEAn insurance broker

offering access to products from approximately

20 insurance providers.

DESJARDINS FINANCIAL SECURITY

INVESTMENTS INC.A financial services firm offering over 3,000 mutual funds from

more than 80 companies, along with a range of associated

products and services.

DESJARDINS INSURANCE1

A leading Canadian financial institution. Over five million

clients in Canada. Over 3,900 employees. More than

$36 billion in assets under management.

DESJARDINSGROUP

The largest cooperative financial group in Canada.

$212 billion in assets. Ranks assecond strongest financial

institution in the world(Bloomberg, 2014).

SOLUTIONS FOR EVERY STAGE OF YOUR LIFE. BECAUSE EVERYTHING IS POSSIBLE. www.dfsin.ca

info@dfsin.ca ® Registered trademark owned by Desjardins Financial Security 14

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