Services
SERVICES and PRODUCTS WE OFFER or FACILITATE
► Personalized Financial Planning: Development of a comprehensive long-term
plan to show you how to reach your goals. We also offer segmented
planning should you require planning for a specific need such
as an educational funding strategy, or the design of a retirement
income drawdown plan etc..
► Investment Planning: Asset allocation advice. Risk/reward analysis. Personal portfolio
management. Portfolio rebalancing. Products include;
Mutual Funds, Segregated Funds, Labour Sponsored Funds, as
well as stocks, bonds, and trust units through a Self Directed
Account.
► Retirement Planning: Effectively address your retirement issues and concerns to develop
a realistic and achievable retirement plan. We specialize
is setting up Self-Directed Registered Retirement Savings
Plans (RRSP's) and Registered Retirement Income Funds (RRIF's).
► Insurance Planning: Development of a program to make certain that your liabilities and
obligations are covered, and your family protected. Products
include; Term Life Insurance, Permanent Life Insurance,
Disability Insurance, Long-Term Care Insurance, and Critical
Illness insurance.
► Tax Planning: Employing appropriate tax planning strategies to ensure that you
minimize taxes today and in the future; Investing to maximize
after-tax return on investments. Reducing your family's tax
burden with effective income splitting techniques. Deferring
taxes with RRSP's and other plans, Strategies for self-employed,
and much more.
► Education Funding: Effective strategies to maximize the money available to your children
or grandchildren when they enroll in a full-time post-secondary
program.
► Estate Planning: Development of an estate plan to preserve, provide for, and protect
your family. A plan will ensure the orderly distribution of
your estate in the most tax efficient manner and in accordance
with your wishes. Certain circumstances will necessitate special
consideration and expert advice such as family-owned businesses,
divorced and blended families, families with disabled dependants,
or care of an elderly relative etc..
► Gifting, Trusts and Charities: Assist in determining the best method in
creating your lasting legacy; either by giving cash, securities
or property directly. Or perhaps through life insurance, or
a charitable remainder trust.
► Wills and Powers of Attorney: Planning for the unexpected by ensuring
your Wills, Power of Attorney for Property as well as Personal
Care and beneficiary designations are complete and up to date.
► Business Planning: Integration of business planning with personal financial planning
for self-employed individuals, and small business owners.
A sampling in this area includes:
- Business Succession Planning using an estate freeze,
sister company or through employees
- Tax advantaged income using a sister company
- Financial planning for professionals
- Executive Pension Plans
- Wealth Transfer
- Buy – Sell Insurance
Referral
network for accounting and legal services
The information contained in this commentary is designed to
provide you with general information only, and is not intended
to be comprehensive advice applicable to the circumstances
of any individual. We strongly urge you to seek professional
assistance before acting upon information included herein.
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