Financial Planning
With a thorough collection of information, and detailed analysis of your personal situation, we can provide solid financial recommendations in the following areas:
Investments
Whether you’re working with one of our investment partner firms, or the investor of your choice, we oversee the growth of your investments ensuring they are in line with your risk tolerance, time horizon and objectives. We help make sure your investment portfolio is properly diversified with distinct asset types and investment vehicles.
Financial Management
Your financial goals are important to us. Focusing on your current situation, including cash flow and net worth, we provide strategies to achieve your future goals. Whether this is providing for your children’s education, purchasing a second property or planning your retirement, we help you get there with a comprehensive assessment of current monthly income and expenses.
Estate Planning & Legal Aspects
There are two certainties in life: death and taxes. We’re here to help you understand and prepare for the payment of expenses and financial obligations at death, thus ensuring the smooth transfer of wealth to your beneficiaries. We work with you to ensure you have a well-documented Will and Power of Attorney in place, to speak for you after your death.
Retirement Planning
What does retirement look like for you? The answer is different for everyone. With a thorough understanding of your expected lifestyle in retirement, we can create a plan to help you achieve financial security in your retirement years. Retirement planning doesn’t start at retirement, so contact us to begin planning now.
Tax Planning
A considerable amount of your estate could erode through taxes, fees, and other potential levies. Assessing your current and future tax obligations, we can create strategies to minimize or defer taxes to strengthen your financial position. You’ve worked hard for your money. Let us help you make sure your number one beneficiary isn’t the Canada Revenue Agency.
Insurance & Risk Management
Purchasing a permanent life insurance policy can ensure your beneficiaries are not burdened by tax owing in the estate. Let us personally design an insurance policy for your financial situation that will provide the funds for your beneficiaries to pay for tax owing on registered assets or capital gains upon the last to die.