Investment Planning

  • Goal setting and Required Rate of Return
  • Asset allocation based on personal goals and objectives
  • Ensuring investment selection is inline with goals & risk tolerance
  • Tax efficiency of Investments
  • Fee Analysis
  • Continuous Monitoring and goal checks

 

Retirement Planning

  • Retirement Income Projection and Analysis  
  • Pension Analysis
  • Severance
  • TFSA or RSP
  • Goal Setting
  • CPP and OAS Analysis

 

Estate Planning  

  • Legacy Planning
  • Inheritance
  • Intergenerational transfers
  • Reducing tax at death
  • Gifting to children
  • Trusts
  • Charitable donations

**Some Estate Planning strategies may require the involvement of a legal professional.

 

Tax Planning

  • Tax efficiency of investments
  • Tax deferral
  • Tax conversion
  • Passing assets through your estate
  • Income splitting
  • Intergenerational transfer
 
**Tax minimization strategies abide by rules set forth by the CRA and may require us to work along side a Chartered  Professional Accountant. 

 

Corporations and Businesses

  • Business Risk Management
  • Investment and Asset Management
  • Group RSP
  • Tax Efficiency of Business Income
  • Group Benefits

 

Insurance Planning

  • Income protection
  • Asset protection
  • Mortgage Insurance
  • Personal Loan Insurance
  • Family protection
  • Estate protection
  • Business Succession Planning
  • Buy/Sell Agreement Funding
  • Critical Illness benefits
  • Travel Insurance

 

Other

  • Capital Needs and Cash Flow Requirements 
  • Education Planning     
  • Short Term Goal Planning 
  • Debt Management