Ralph G Hiscock

FICB, Business Administration

Mutual fund representative 1 Insurance representative

Investia Financial Services Inc.

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RRIF, LIF and Annuities

Several income options are available to you at retirement age.

About me

My clients benefit from my 50 years experience in the financial industry as a banker, an investment fund advisor, an insurance broker and a businessman. With the primary goal in mind to help my clients and prospects reach their financial goals, I pledge to put my clients first and I strongly believe we can both benefit from a long-term relationship. I use both a fee-based approach and deferred sales charge and front-end fees. In addition to my professional experience, I have invested a lot of time in my community of St. John's and Mount Pearl having served as president of the Association for New Canadians, Mount Pearl Lions Club and First United Men's Club. I have also served as youth leader at First United Church and the St. John's Boys and Girls Club, and I coached minor hockey in Mount Pearl. I enjoy family, camping, skidooing, fly-fishing, photography and winter sports. I look forward to meeting my clients and prospects at a place of their choice.

A complete service offer to answer your needs

Savings and retirement

Mutual funds are based on a simple principle : pooling your money with that of many other investors in order to offer you access to global markets and a large selection of investments, as well as the flexibility to invest whatever you want, whenever you want.


Because your needs change over time, I am committed to being there with you to propose the best coverage options based on your needs and your priorities.

  • Life Insurance (universal, whole, term)
  • Travel Insurance
  • Group Life Insurance
  • Health and Dental Insurance
  • Guaranteed Issue Life Insurance
  • Living Benefits (critical illness, disability, long-term care)
  • Annuities
  • Segregated Funds

Why work with a representative?

A representative helps you make the best choices based on your reality and your needs. A representative also helps you find your way in the sometimes complicated world of investments and insurance. By using the services of a representative, you will:

  • Earn more money and learn where and when to invest
  • Receive a personalized financial plan that will help you achieve your objectives
  • Avoid flavours of the month and investment mistakes related to influences from the media and the people around you
  • Be able to weigh the pros and cons in terms of investments based on your investor profile and risk tolerance
  • Save time and enough money to carry out your projects
Learn more about the value of a representative


Direct Access to your Investments and our Advice

Stay up-to-date on the progress of your investments, access to detailed information on your investments and contact your representative easily and quickly.

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Economic news with Sébastien Mc Mahon and his team

Clément has been Senior Vice-President, Investments and Chief Economist at iA Financial Group. In addition to being the Group’s spokesperson on economic matters, he is also the chair of the asset allocation committee and responsible for managing the company's diversified funds. He serves as the company’s spokesperson on economic matters.

1 With Investia Financial Services Inc.