RAINES KOBY
BA ECONOMICS, CFP, CLU, RRC 
Senior Financial Consultant
Investors Group Securities Inc.
About —
I view client relationships as partnerships. In return I promise honesty, integrity and my full commitment. My goal is to create a unique and flexible wealth management strategy to support your immediate needs and long term goals. As a professional financial consultant, I focus on client’s specific needs and then translate their opportunities, goals and concerns into a dynamic plan. With over 15 years of experience I have developed skills to help clients understand their financial status and the impact of impending life transitions.
I bring order to your financial life by developing a strategy that you understand and ensures your best interest.
A real financial plan
general inquiries —
1 Robert Speck Parkway, Suite 1000
Mississauga, ON L4Z 3M3
Get Directions
Let’s talk —
The Living Market podcast with host Philip Petursson
A weekly synopsis of market themes and trends
LISTEN NOWtrending advice & stories
2024 Outlook: Are we heading into a recession or recovery? Why not both?
As we wave goodbye to 2023, we can also expect to bid adieu to some of the key events of the year that made it especially challenging for the markets. The central bank interest rate rises, which brought about a mini banking collapse early in the year, appear to have come to an end, while inflation is moving toward target levels.
learn more
Should you invest for retirement or pay off your mortgage?
When interest rates are high, people often think it’s better to pay off their mortgage rather than save. But is it the right choice? We’ll help you decide.
Learn more
Will you need to delay your retirement?
Volatile markets and high inflation can make some Canadians feel they may have to delay their retirement. How can you avoid retiring later than planned?
Learn more
The RRSP deadline 2023: what you need to know
RRSP season is upon us once again, but what does it mean, exactly? And why does it matter?
Learn more
How do rising interest rates affect you?
Anyone with a variable rate mortgage in Canada understands the impact of rising interest rates. A rate hike can either cause borrowers’ debt payments to climb or reduce the amount of principal their mortgage payments pay off. Interest rate rises are caused when the Bank of Canada decides to increase its overnight rate, which is a short-term interest rate that factors into lending costs. Depending on the economic circumstances, interest rates can rise substantially over a year.
Learn more
Important dates to help you get ready for tax season
A list of tax-related dates, including when you can expect to receive various tax slips, as well as deadlines for RRSP contributions and tax filing.
Learn more