Welcome to Rowe & Mali Wealth Management Services.

Canada's best insurance prices and product shelf! Your group benefits just got more affordable. Use our online form to compare our brokered rates.

Mortgages are coming to R&M in 2013! Now you will be able to earn cash rewards into your RRSP when you mortgage with us. Ask us how. The best RESP you never heard of! Save for your childs education with our extra bonus RESP. Earn up to 15% more for your childs education on top of the government grants.



We operate as a broker to supply individuals and Canadian small businesses with products and services to fulfill all of their financial requirements.

With such a broad shelf for small business health and savings benefits, insurance and capital suppliers we are sure to offer the very best financial tools to move your company forward…safely!

For individuals and family, we supply industry best life and mortgage insurance, term insurance, disability, critical illness and health insurance, RRSP’s, TFSA’s, investment and savings accounts, mortgages, and various other alternative investments, All proactively managed by Advisors at Rowe & Mali to attain greater risk adjusted returns for our clients.

We have the ability to transfer you pension, company savings, or individual RSP/TFSA/RESP accounts and can take over investments management of these accounts.

Contact an advisor at Rowe & Mali contact@roweandmali.com and we will be happy to assist you with any questions or concerns that your may have.

$250,000 mortgage insurance from $12.01 monthly! Compare our rates!

 Personal Insurance – Life & Mortgage Insurance / Disability & Critical Illness / Health & Travel Insurance / Long-term Care

**For buy and sell/key person and tax sheltered insurance, please visit our small business and alternative investments page

As an Independent broker, we can search our numerous suppliers for the cheapest price and best product in any type of life, health or mortgage insurance to suit your needs.

You can replace you lender issued mortgage insurance with life insurance. Click cheap life mortgage insurance to see why this should be done.

Disability may not be part of your company benefit package. Ask us for a quote on how you can design disablility insurance to suit your situation. Premiums for disability can be arranged to cover your mortgage payments or loss of earned income at work.

For business owners, disability insurance is counted as a cost of doing business and can be covered by the company. Insurance on commercial mortgages are also covered by the company.

For insurance to fund a shareholder agreement please see our small business page.

Insurance coverage is essential to protecting oneself and those who depend on our livelihood in worst case situations. Children, and spouses, should have plans in place to insure the loss of income and major assets. This will ensure that the lifestyle for the remaining dependants is not considerably diminished.

For information on our Critical Illness products or Long-term care products email us at contact@roweandmali.com

Global markets depressed in 2012. Flatlining over the last year. Assumed global equity market risk is at 30-40% for R&M global equity investment portfolios

RRSP / Education Funds / TFSA / Investment Saving Accounts / High Interest Savings Accounts / Transfer RRSP / TFSA / RESP, Pension & Company Savings Plans

**For margin/leveraged accounts/ltd partnerships/etc see our alternative investments page.

**For company savings plans and pensions see our small business page

We provide investment accounts of all types, from numerous providers. Our aim is simple, provide greater investment returns than those available from a buy and hold management strategy. What this means to you is that we are not comfortable with having our clients whether 30% drops in the value of their account in recessionary times, or having to settle with 6% rate of return during a peak growth times in the economic cycle. This allows us to limit the overall risk of investing through an entire global economic cycle.

Rowe & Mali provides active management of portfolios according to the current and expected global economic cycle and duration. For this reason, Advisors at R&M favor a portfolio that blends and moves between global equities and global fixed income investments regardless of whether the portfolio is registered as an RSP/TFSA/RESP or investment savings account. Hedged products are utilized to limit investment risk wherever possible.

Utilizing the right accounts, for the best income taxation, are high priority at R&M.

Leaving your work place? Laid-off? Unhappy with the customer service of your advisor or bank? Transferring your company pension or savings plan, or your own savings account or RRSP/RESP can easily be done and we will take care of the management of these accounts, and update you regularly, knowing that this is money you’ve earned and expect to keep. Transfer your account to R&M today. Ask how. Email contact@roweandmali.com

Small Businesses (SME)can now utilize our online company health plan quote form for new and renewal pricing!

Featured Article: http://www.benefitscanada.com/benefits/health-benefits/what-ontario%E2%80%99s-budget-means-for-benefits-plans-27113

Rowe & Mali is dedicated to providing Canadian small businesses with the resources that they need to start and prosper in their industry.

We provide small business owners with commercial loans, business loan insurance, LOC’s, grants and capital to fund a business plan or expand existing ones through our associate Advisors. As well, we offer corporate savings, pension & group health insurance for growing businesses and entrepreneurs, coporate buy and sell agreements and assist with business succession, retirement and estate planning.

Group health insurance, capital, risk and investment management all play a role in keeping Canadian small business entrepreneurs growing and profitable. At Rowe & Mali we take an active approach to managing the price and products that we offer to our clients.

Have your H&R, office manager or Controller call us about your group benefits plan today. We will be happy to provide quotes on a new and existing health benefit plans.

To speak with an Advisor about your small business needs, please email contact@roweandmali.com.

Alternative Investments – Margin & Investment Loan Accounts / Mortgages / Cash Value Insurance

Alternative investments and strategies allow highly taxed individuals to invest in strategies that are taxed favorably while maximizing returns. For more information on these types of investments and minimum requirements please email us at contact@roweandmali.com

Margin & Leveraged Accounts –

Clients with good cash flow and suitable incomes can take advantage of our margin and leveraged accounts which allow investors to magnify the returns on their investments by borrowing to invest larger amounts than their principal. Minimum requirements must be met in order to qualify for these accounts but provide an excellent investment strategy for those clients who may already have adequate savings.

Mortgages –

Rowe & Mali offer principal property mortgages and investment property mortgages from a wide variety of lenders, including all the major banks, within Canada. We are sure to offer the best rates possible and a mortgage that suits your specific needs. Email contact@roweandmali.com for your pre-approval for our mortgages.

Cash Value Insurance –

Cash value insurance is used to maximize tax free compounding outside of registered savings plans. Used primarily by high net worth investors who have maximized their allowable registered plans this product allows investors to do many things with one product – maximize their estate values, enhance their retirement income, earn tax free growth at safe and predictable rates and the ability to control future income taxation.