Bayshore Financial Group - Financial Solutions


Wealth Management

Employee Benefits

Personal Insurance
Life insurance protection can make a big difference in your life and the lives of those who are dependent on you. A financial security planning strategy that incorporates life insurance can help ensure that money will be available to support your family and or your business interests. This can be as simple as providing term insurance to cover a mortgage or as involved as using a permanent insurance strategy to help eliminate estate liabilities that may arise.

Term Insurance is well suited to meeting high, short-term protection needs for the lowest initial cost. We offer clients the following term solutions; 5 year, 10 year, 20 year and term to 100.

Permanent Insurance
Whole Life Insurance combines permanent life insurance with a tax-advantaged accumulation component. It's built on a foundation of guaranteed values, including guarantees on basic premium, death benefit and basic cash value.

Universal Life Insurance provides permanent life insurance with a tax-advantaged investment component. As your cash values accumulate, you can use it to pay the cost of insurance or, depending on the option you select, to increase the total death benefit. This type of policy is generally non-participating and is attractive for people who want to actively manage their life insurance policy.

Critical Illness Insurance can provide you with a one-time lump-sum benefit to help cover additional expenses often associated with a critical condition. These critical conditions include a heart attack, stroke, cancer plus an additional 22 illnesses and disorders.

Disability Insurance. Accidents and illness are unfortunate facts of life. We offer clients access to competitive disability insurance products to protect your most valuable asset - your ability to earn an income. These products have been developed with the diverse needs of business owners, professionals, executives and employees in mind.

Business Insurance
Business owners purchase insurance to protect their businesses, key partners, themselves and their families from an untimely death or disability.
There are numerous areas in which insurance can play a key role in business planning. Some of which include:
  • Providing immediate tax-free capital to cover potential capital gains owing on the transfer of shares to the next generation.
  • Funding a buy/sell agreement between business partners in case of an untimely death.
  • Providing the proper funding to a key employee or business partner in case of death or disability.
Personal Investment
With Bayshore Financial Group Inc., you will discover a wide range of solutions and service to help you reach your financial security goals. Whether it's saving for your child's education, planning a vacation, building a nest egg for retirement, investing in a small business or managing your finances during retirement, we can help you create an investment portfolio that's tailored to your needs.

Mutual Funds

Through Quadrus Investment Services Ltd., we have access to thousands of mutual funds, including the Quadrus Group of Funds - an exclusive mutual fund family that offers clients a multi-managed, multi-style approach by some of the world's leading investment managers.

  •  Registered Retirement Savings Plans (RRSPs)
  • Registered Education Savings Plans (RESPs)
  • Tax Free Savings Account (TFSA)
  • Registered Retirement Income Funds (RRIFs) & Life Income Funds (LIF)
  • Non Registered Accounts
  • GIC's
  • Annuities
Mackenzie Investments, Fidelity Investments, Manulife Investments, RBC Investments
Segregated Fund Policies offer a long-term investment with death benefit and maturity guarantees. These guarantees are options within an insurance policy, additional benefits include assets bypassing the estate and potential probate fees, resulting in your assets passing directly to your named beneficiaries.
* Disclaimer:

Mortgage referrals and insurance products, including segregated fund policies are offered through Bayshore Financial Group Inc., and Investment Representatives Kevin Barks, Jonathan Keown and Matthew Mitchell offer mutual funds through Quadrus Investment Services Ltd..

Quadrus Investment Services Ltd. and design are trademarks of Quadrus Investment Services Ltd. Used with permission.

For further information about Mutual Fund offerings please click below.

Quadrus Investment Services Ltd.

Estate Planning
It takes more than just retirement planning to preserve and enhance your wealth. It's also about maximizing and protecting it, and helping ensure you'll be able to pass it on to future generations.
Through an in-depth analysis, Bayshore Financial Group Inc. & our Tax & Estate Planning team will work alongside you and your other trusted advisors to create a customized estate plan that will meet your needs and goals.
If you have questions concerning your Personal Tax and Estate Planning needs feel free to contact our Tax & Estate Team. Call: (705) 746-8743
Bayshore Financial Group Inc. has been proudly serving Parry Sound, Barrie and Muskoka with Tax and Estate Planning Services since 1986."
Tax & Succession Planning for Business
A proper business succession plan can help protect you and your heirs against losses from unexpected illness, death, and taxation. Without a proper succession plan in place a business owner is risking the chance that someone else could decide what happens to their business.
 Through an in-depth analysis, Bayshore Financial Group & our Tax & Estate Planning team will work alongside you and your other trusted advisors to create a customized Estate Plan that will meet your needs and goals.
If you have questions concerning your Business Tax and Succession Planning needs feel free to contact our Business Tax and Succession Planning Service team. Call: (705) 746-8743
Bayshore Financial Group Inc. has been proudly serving Parry Sound, Barrie and Muskoka with Business Tax and Succession Planning Services since 1986.
Employee Benefits
Bayshore Financial Group Inc. is an independent group benefit and pension consulting firm that specializes in programs for small to medium size companies in both the public and private sectors. Through a network of associated firms, we are also able to service the needs of clients on a national level.
As group benefits programs become more complex, it is necessary to retain the services of an independent, qualified consultant to assist in the proper review, implementation and operation of the benefit program. For this reason, Bayshore Financial Group Inc. has partnered with People Corporation one of Canadas largest independent consulting firms whose expertise in group benefits, group retirement and human resource services is second to none.Strategic Partnerships

  For further information about People Corporation and our unique partnership please click below.

People Corporation

The only national employee benefits plan of its type in Canada, with rates and expenses reflecting the significant buying power of the Canadian Automobile Dealer Association (CADA). Bayshore Financial Group is specially licensed to offer this unique plan that provides you and your employees benefits such as life and disability insurance, health care, dental care and vision care, with ongoing coverage available to retired dealers and retired managers. Backed by over 60 years of experience, the plan protects more than 1,600 dealerships across Canada. In all, over 85,000 dealer employees and their family members place their trust in CADA 360 - Employee Benefits.

For more information on the CADA 360 plan please click the link below. 

CADA 360

Employee Pension Plan Solutions
Quality retirement savings programs are essential in the retention of valued employees. Bayshore Financial Group Inc. is experienced with the implementation and monitoring of the following employer sponsored retirement programs. These include:
  • Group Registered Retirement Savings Plans
  • Registered Pension Plans (RPPs)
  • Deferred Profit Sharing Plans (DPSPs)
  • Defined Contribution Plans