Financial Management

  • Budget & Cash Flow Projection
  • Mortgage & Debt Analysis
  • Short Term Goal Planning
  • RESP and Education Planning
  • Beneficiary Audits

 

Estate Planning

  • Estate Planning Analysis
  • Wills & Power of Attorneys
  • Tax-Reduction Strategies
  • Tax-Efficient Estate Transfers and Legacy Planning
  • Managing Inheritances
  • Gifting to Children and Grandchildren
  • Trusts
  • Charitable Donations
  • Estate Bonds

* We work closely with your accountants and lawyers, ensuring goals and objectives are streamlined. Some Estate Planning strategies may require involvement of a legal professional.

Corporations and Business

  • Investment Management
  • Group RRSPs
  • Group Benefits
  • Tax Efficiency of business assets and income

 

Investment Management

  • Ensuring Investment Selection is Inline with Goals and Risk Tolerance
  • Independent and Diversified Product Offering
  • Tax-Rfficient Investments**
  • Fee Analysis
  • Managed Accounts
  • On-Going Portfolio Monitoring

**Tax minimization strategies abide by rules set forth by the CRA and may require us to work with your accountant.

Retirement Planning

  • Retirement Income Projections and Analysis
  • Assessment of Objectives
  • Retirement Expense Analysis
  • Severances
  • TFSA or RRSP?
  • Goal Setting – Life and Financial
  • CPP and OAS analysis
  • Tax and OAS Clawback Minimization

 

Risk Management & Insurance Needs Coverage

Life, Critical Illness, Long-term care, Travel, And Disability Insurance for:

  • Income Protection
  • Asset Protection
  • Family Protection
  • Estate Protection