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Hello,

There are about 22 more days to get your clients into the current August 2026 Guarantee Advantage Campaign (deadline of July 22^nd).

When discussing wealth accumulation and wealth transfer strategies with clients, Guarantee Advantage (MLTI) can be a compelling solution for individuals and corporations seeking tax-deferred growth, capital preservation, and estate planning benefits.

Here are some client profiles where Guarantee Advantage may be an excellent fit:

1. Incorporated Business Owners & Corporations

For clients who hold excess cash in their businesses, Guarantee Advantage can help corporations:

• Reduce regular passive income accrual associated with traditional GIC investments through tax-deferred growth.
• Grow assets with no risk to principal at maturity.
• Opportunity to enhance the value transferred to shareholders or beneficiaries.

2. Risk-Averse Investors

For clients who prioritize capital preservation but still want growth potential, Guarantee Advantage offers:

• Principal protection from market downturns at maturity and on death.
• More growth potential than typical fixed term investments (GICs or fixed income).
• Long-term accumulation without direct market exposure.

3. Estate Planning Clients

Clients focused on wealth transfer and legacy planning may find significant value in Guarantee Advantage through:

• Avoidance of probate, administrative and legal fees when a beneficiary is named.
• Private transfer of wealth to beneficiaries.
• Creditor protection and Assuris protection for assets with the ability to use the Death Benefit Annuity Settlement Option.

4. High-Net-Worth Individuals

Clients who have maximized registered plans and are seeking additional accumulation opportunities can benefit from:

• Long-term tax-deferred growth.
• Diversification outside traditional investment products.
• Peace of mind since the principal of the clients is protected.

5. Pre-Retirees and Retirees

Clients approaching or in retirement who are concerned about market volatility may appreciate:

• Stability and guarantees.
• Estate preservation.
• A conservative component with great return potential within their overall financial plan.

Feel free to reach out if you have clients that fit any of the profiles above and could benefit from Desjardins Guarantee Advantage (Market-Linked Term Investment).