Intelligence is Artificial


Income is Real

Game of Yield. Watch Live !

Instant Income Boost

Your Net Worth: Bird's Eye View.

10 step process to maintain, increase and keep your wealth for those who you care about most. Access 101 Video Guide on the Free Game of Yield App.

Stop increasing your tax liability. Learn how to flatten and reduce it. Get Game of Yield App to access 101 Video Guide on the subject of taxation strategies.

Compound Your Income, Not Taxes.

Pensionize your RRSP/RRIF and add an Individual or Personal Pension Plan (PPP®) tax saving solution for businesses and incorporated professionals.

Pension in a Box. And It's Personal.

Generate Canadian and US dollar monthly income. Watch our 101 Video Guide on the subject. See how you could boost your tax efficient dividends by 17%.

Financial Independence for All.

Pensionizer Income Portfolios

Guesses are for coin tosses. For serious money, use Rules-Based Models.

3 Ways to Detect Yield at a Discount.

Access our 5-year old dividend income index in 3 different ways. Choose from Top 50, Top 10 and Top 50 Enhanced Rules-Based Models.

Remember 2008 ? What if you invested your money just before the market crash ? Let us show you what to expect.

Models built for Financial Survival .

1% Fee is common and not all that progressive. We don't do it. Our Club membership dues are "all inclusive", low and wonderfully FLAT.

Club Dividend Detective. The benefits.

Seeking tax efficient, tariff resistant retirement Income? Detect dividends at a discount and pensionize your RRSP.

Bay Street Confidential

Club Dividend Detective

What Members Think

Dvai Ghose

Head of Research, Canaccord Genuity (Retired)

A have been working with Ray for about 5 years now ...He can access a variety of investments that are helping meet my family’s goals and objectives. Second, he is focused on generating income, capital preservation and tax efficiency, which so far has been successful...This approach to management fees leaves more money in my accounts to grow...His level of client service is impressive.

Ray have been incredibly supportive throughout the process of learning how different investments work and getting started finding ways to invest in our future successfully. I recommend anyone considering learning more about investment strategies, from beginners to seasoned investors to talk to Raymond Dragunas and his competent team of helpful experts.

Business Owner

Christina King

Aida Juodis

Senior Administrator

I connected with Ray to discuss my retirement options. Could not make a better decision. I understand the strategy he created for me. I like the service. Ray is professional, strategic and honest. He provides sound guidance and strategies I could not receive anywhere else. I recommend Ray to anyone looking to be successful in reaching retirement goals.

I am a 65 y.o. female who had concerns and questions about retiring and staying retired. Ray facilitated my transition to a customized and successful retirement plan, demonstrating it's never too late. Ray's knowledge is impressive as are his solutions and tools. Being independent of the traditional bank network is a plus. Ray's professionalism gave me the confidence that I could retire and I have no regrets.

Retired

Elena J.

Get free Game of Yield Application

For unobstructed View of Canadian

Retirement Rules and Regulations.

Get the Answers to all your FAQs and FUQs in 24 hours.