Personal Financial Services

For hardworking and honest Canadian Business Owners, Families, and high-performing young individuals. 

However you see your tomorrow, you have a plan for today. Here's how we help.

Financial Planning

  1. Personal Finance Education

  2. Behavioral Coaching

  3. Education Savings

  4. ​Insurance & Risk Management​

  5. Investment Planning

  6. Tax Strategies

  7. Retirement Planning

  8. Estate Planning (Will, POA, TCP)

  9. Employee Benefits Solutions

  10. Incorporated Business Planning (with Succession).

  11. Other Planning

Investment Management

  1. Planning for Investment Taxes

  2. Risk Profile

  3. Assessing Alternative Investments

  4. Determining Asset Allocation

  5. Ensuring portfolio diversification

  6. Separately Managed Accounts or ETF Model Portfolio's

  7. Bond, Stock & ETF selection

  8. Digital Portfolio development

  9. Alignment of Investment Strategies

  10. Alternative Investment assessments

Group Benefits & Business Planning

  1. Group Benefits Insurance management

  2. Current plan assessments

  3. Business planning

  4. Access to lending

  5. Personal incorporation

  6. Group Pension Plans (GRSP, TFSA, IPP, DPSP, etc.)

  7. Cash flow and succession planning.

  8. OpCo/HoldCo Investment Management

FINANCIAL PLANNING

Our execution is our strength.

Our process is our passion. 

01. GET ACQUAINTED

Where are you at in your financial life? What are you planning for?

02. GET ORGANIZED

Based on your answers, we'll recommend a financial plan, and a proposed portfolio of investments.

03. GET AHEAD

And we'll keep working, once you're set up, we'll track and review your plan and ensure you are too.

BASIC PLANNING

  • Identifying financial goals

  • Evaluating financial statements

  • Cash flow management

  • Financing strategies

  • Economic concepts

  • Time value of money concepts

  • Behavioral finance

  • Financial counseling

  • Debt management 

  • Planning for investment taxes

  • Incorporating investment risk

  • Assessing investment returns

  • Determining asset allocation and portfolio diversification needs

  • Bond and stock selection

  • Portfolio development

  • Aligning Investment strategies

  • Alternative investments

INVESTMENT PLANNING

ESTATE PLANNING

  • Estate Plans (incl. Wills, Living Wills, Power of Attorney) 

  • Probate and estate tax 

  • Property titling

  • Multigenerational property transfers

  • Taxation of trusts

  • Marital deduction

  • Business, corporate asset transfer, estate freezes, etc.

  • Estate planning techniques

EDUCATION PLANNING

  • Education needs analysis

  • Education savings vehicles

  • Financial aid

  • Gift/income tax strategies

  • Education financing 

RISK MANAGEMENT

  • Estate Analysis

  • Survivor Needs

  • Life insurance

  • Health insurance and health care

  • Living Benefits Insurance

  • Long-term care insurance

  • Annuities 

TAX PLANNING

  • Personal tax reduction techniques

  • Business taxes

  • Income Tax splitting

  • Taxation of trusts and estates

  • Tax consequences of property transactions

  • Corporation tax planning

  • Charitable/philanthropic contributions and deductions

RETIREMENT PLANNING

  • Retirement needs analysis

  • CPP/OAS

  • Locked-in plan rules & options

  • Tax-advantaged retirement plans

  • Employee Pension plans rules and options

  • Plan selection for businesses

  • Distribution rules and taxation

  • Retirement income distribution 

  • Business succession planning

ALL OTHER PLANNING

  • Buy vs. Lease a Car 

  • Buy vs. Rent a Home

  • Credit card selection

  • Buying Diamonds

  • Career Planning

  • Job Offer negotiations

  • Employee benefits selection

  • Saving for Travel

  • Merging Finances

OUR FINANCIAL PLANNING FEES ARE START AT 1% OF ASSETS UNDER MGMT.

FEES DECREASE AS PORTFOLIO SIZE INCREASES

INVESTMENT PLANNING

Let's focus on what what we can control, and make your money work for you...

01. GET ACQUAINTED

Where are you in your investment life and what are you investing for? Higher returns? Lower risk? A more diversified portfolio?

02. GET ORGANIZED

Based on your answers, we'll recommend an investing plan and build you a custom portfolio. We take sophisticated investing strategies and make them better with modern, tax-smart technology or a custom built portfolio.

03. GET AHEAD

And we keep working. Once we get you set up, we'll manage your portfolio. Ensure it is continuously rebalanced to your allocation goals, and cash flow needs. We’ll also ensure tax savings through implementing tax loss harvesting strategies 

OUR FINANCIAL PLANNING FEES ARE START AT 1% OF ASSETS UNDER MGMT.

FEES DECREASE AS PORTFOLIO SIZE INCREASES

We leverage a robust technological platform for both your investment management AND your financial plan to ensure you...

MANAGE RISK

We’ll develop a diversified portfolio that reflects your risk tolerance as an investor.  We’ll devise an asset allocation that fits your needs and investment time horizon.

LOWER TAXES

We'll help lower the taxes you pay using specific strategies within your tax-sheltered accounts. Different investment vehicles are taxed in different ways, therefore we'll utilize efficiencies to help you meet your goals, while managing Uncle Sam.

REDUCE FEES

Fees compound over time and eat into your returns. We choose either low cost investments or a disciplined separately managed portfolio (depending on asset level).

Your employees are your greatest investment, let's make sure that their taken care of.

01. GET ACQUAINTED

How much are you currently paying for your group benefits? Do you have a corporate savings plan set up for your employees? Do you understand the benefits, both qualitative and quantitative of putting together a group plan?

02. GET ORGANIZED

Based on these answers, we'll do a full review of your current plan and uncover if there are any areas you can be saving money or increasing value for your employees.

03. GET AHEAD

Once we go to market, from our numerous vendors, we put together the custom plan that both you and your employees will reap the greatest benefits from. We will continually review the plan, and keep you in the loop on any changes in pricing/renewals.

0.3% to 0.75% of AUM. AND you get advice from an actual human advisor.

INSURANCE

Group Life Insurance

Disability

Group Health Insurance

Prescription Drugs

Dental Care

Vision Care

SAVINGS PLANS

  • Group RRSPs

  • Group TFSA

  • Deferred Profit Sharing Plan

  • Individual Pension Plan

WE OFFER A NO HASSLE FREE REVIEW OF YOUR CURRENT PLAN.

GROUP SOLUTIONS

Mortgage referrals, insurance products, including segregated fund policies are offered through Howe Harrell Wealth Inc. operating as Howe Harrell & Associates, and Investment Representatives Don Howe, Melissa Harrell, Andrew Maciejkow, and Scott McMullan mutual funds through Quadrus Investment Services Ltd. Discretionary Managed Investments offered through referring agents Sean Harrell and Aaron Menon as Trilogy Wealth Management operating as Howe Harrell & Associates, in conjunction with Harness Investments and BCV Asset Management.

  • Facebook
  • Linkedin

Quadrus Investment Services Ltd. and design are trademarks of Quadrus Investment Services Ltd. Used with permission.

Legal, Copyright and Trademark Information | Privacy Policy