Investment & Asset Management

  • 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   

Estate Planning   

  • Legacy Planning          
  • Inheritance                          
  • Intergenerational transfers 
  • Estate Bond                                                                  
  • Gifting to children      
  • Trusts                                                   
  • Charitable donations

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

Retirement Planning

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

Tax Minimization Strategies

  • 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 Accountant. 

Corporations and Businesses

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

 

 

Risk Management & Needs Coverage

  • Income protection
  • Asset protection
  • Family protection
  • Estate protection
  • Travel Insurance

*As independent, licensed insurance advisors, we represent over 14 Insurance companies.

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Other

  • Capital Needs and Cash Flow Analysis 
  • Education Planning     
  • Short term goal planning 
  • Debt Management
  • Beneficiary audit

 

* We work closely with Accountants and Lawyers, ensuring goals and objectives are streamlined.

**We are a fee based, service orientated, financial planning team. This offers transparency and guarantees our objectives are in line with yours.