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
-
Personal Finance Education
-
Behavioral Coaching
-
Education Savings
-
Insurance & Risk Management
-
Investment Planning
-
Tax Strategies
-
Retirement Planning
-
Estate Planning (Will, POA, TCP)
-
Employee Benefits Solutions
-
Incorporated Business Planning (with Succession).
-
Other Planning
Investment Management
-
Planning for Investment Taxes
-
Risk Profile
-
Assessing Alternative Investments
-
Determining Asset Allocation
-
Ensuring portfolio diversification
-
Separately Managed Accounts or ETF Model Portfolio's
-
Bond, Stock & ETF selection
-
Digital Portfolio development
-
Alignment of Investment Strategies
-
Alternative Investment assessments
Group Benefits & Business Planning
-
Group Benefits Insurance management
-
Current plan assessments
-
Business planning
-
Access to lending
-
Personal incorporation
-
Group Pension Plans (GRSP, TFSA, IPP, DPSP, etc.)
-
Cash flow and succession planning.
-
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
-
Employee benefits selection
-
Saving for Travel
-
Merging Finances
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
Health Spending Accounts
Employee Assistance Programs
SAVINGS PLANS
-
Defined Contribution Plans
-
Group RRSPs
-
Group TFSA
-
Deferred Profit Sharing Plan
-
Individual Pension Plan
-
Retirement Compensation Arrangement
GROUP SOLUTIONS