Celesta Financial Inc. is an independent brokerage company, established in Mississauga, Ontario in 2000, offering clients a wide variety of personal insurance, investment and banking products (See Products and Industry Links ).

We provide our clients with solutions for dependable retirement income that will last for the rest of their lives. To do this, we use several strategies which can provide our clients with: Guaranteed income for life Protection from interest rate fluctuations Growth potential of the markets to help keep up with inflation Protection from market downturns A wide choice of investment funds Flexibility and access to cash Cost-effective and easy transfer of assets upon death

Some of the products offered through our brokerage include:

GIF (BMO) RetirementPlus (Manulife) Class Plus (Empire Life) Desjardins Helios2

Annuities: Industrial Alliance, Empire Life, and BMO

Available for RRSP, LIRA, RRIF, LIF, LRIF, TFSA, & non-registered accounts For Manulife RetirementPlus the minimum initial investment is $25,000. The minimum initial investment for Empire Life ClassPlus is $10,000. For BMO Guaranteed Investment Funds the minimum initial deposit for Non-registered investment and RRSP is $500 per fund or a monthly deposit of $50; for a RRIF it is $10,000. For Desjardins Helios2 minimum initial deposit is $1000 or $50 per month. Investment loans from Manulife Bank are available at competitive floating rates with flexible payments (interest only or Principal and Interest over 10-20 years) for non-registered accounts.