Business Details
25 Years
experience
Your Trusted Financial Partner for Competitive GIC Rates
At Gic & Income Exchange, we prioritize customer service and strong relationships as the foundation of our success. Our team works with over 30 institutions to secure the highest market rates for clients, ensuring investments are safely managed with guaranteed returns. With more than $500 million under management, we focus on providing peace of mind through transparent processes, organized reporting, and exceptional attention to detail. Our professionals ensure investment cheques go directly to chosen institutions, emphasizing trust and security. We offer free services, including competitive GIC rates, annuities, segregated funds, and insurance solutions tailored to individual needs.Our expertise spans decades, with principals holding advanced degrees and industry certifications. Recognized by the Consumer Choice Award for five consecutive years, we combine deep market knowledge with personalized service to maximize client returns. Our teams commitment to excellence is reflected in long-term client relationships and consistent advocacy for client interests. We specialize in navigating deposit insurance frameworks like CDIC, FSRA, and Assuris to protect investments up to $250,000. By staying attuned to market dynamics, we deliver reliable, secure financial strategies for retirement and wealth preservation.
Services
GICs
Annuities
Segregated Funds
Insurance
GMWB Plans
Details
- Year established: 2001
Highlights and features
- We work with 30+ institutions to secure the highest market rates.
- Over $500 million under management demonstrates client trust.
- Consumer Choice Award winner for five consecutive years.
- Free services with no hidden fees or commissions.
- Direct investment placement with institutions for full transparency.
Associations and certifications
- CDIC
- FSRA
- Assuris
What people say
Highest rates
World class service
Trustworthy financial advisors
Consumer Choice Award
Exceptional client service
Services
Guaranteed Investment Certificates
GICs provide guaranteed returns over fixed terms from 1 to 5 years. Backed by CDIC, FSRA, or Assuris insurance up to $250,000, these low-risk investments suit conservative investors seeking stable growth. Minimum deposits range from $25,000 to $100,000 with rates up to 3.95% annually.
Annuities
Annuities deliver guaranteed lifetime income based on age, gender, and interest rates. Ideal for retirees, these contracts ensure predictable cash flow regardless of market conditions. Special rates apply for clients with health concerns.
Segregated Funds
These insurance-based investments offer market participation with principal protection features. Professional management across asset classes helps balance growth potential and risk mitigation for long-term portfolios.
Critical Illness Insurance
Provides lump-sum payouts for 25+ qualifying conditions like heart attacks or cancer. Protects financial stability during recovery while maintaining investment security through guaranteed terms.
Guaranteed Minimum Withdrawal Benefit Plans
Hybrid products offering market growth potential with guaranteed lifetime income. Annual bonuses and reset features lock in gains every 3-5 years, ensuring reliable retirement cash flow.
People
Brandon D. Brot
Principal
MBA graduate from Schulich School of Business with 20+ years in finance. Former Coopers & Lybrand consultant and insurance executive. Serves on RDBA Board since 2018. Specializes in secure investment strategies.
Kevin S. Rotenberg
Principal
Business Administration graduate from York University. 25+ years in financial planning, including CIBC experience. Founded Gic & Income Exchange in 2002. Expert in GIC market dynamics and retirement income solutions.
Klaudia Madrzejewska
Administrative Assistant
Licensed deposit broker with Seneca College education and 9+ years at Gic & Income Exchange. Handles client communications and investment processing since 2015.
Nicole Dobosz
Office Coordinator
Licensed deposit broker and Seneca College graduate in Business Administration & Marketing. Manages daily operations and client support since joining in 2022.
Questions
What services does GIC Wealth Management offer?
We specialize in GICs, annuities, segregated funds, insurance, and guaranteed withdrawal plans with competitive rates.
Are my investments insured?
Yes, through CDIC, FSRA, or Assuris up to $250,000 depending on institution type.
Do you charge fees for your services?
No, our services are free - we earn commissions from institutions.
How do you secure better rates than banks?
By leveraging relationships with 30+ institutions to negotiate top market rates.
Can non-Ontario residents use your services?
Some rates are Ontario-only; contact us for out-of-province options.
How often are GIC rates updated?
Rates change frequently; subscribe to our website for daily/weekly/monthly updates.
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