Investment Planning

  • 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

Retirement Planning

  • Retirement Income Projection and Analysis  

  • Pension Analysis

  • Severance

  • TFSA or RSP

  • Goal Setting

  • CPP and OAS Analysis

Estate Planning  

  • Legacy Planning

  • Inheritance

  • Intergenerational transfers

  • Reducing tax at death

  • Gifting to children

  • Trusts

  • Charitable donations

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

Tax Planning

  • 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  Professional Accountant. 

Corporations and Businesses

  • Business Risk Management

  • Investment and Asset Management

  • Group RSP

  • Tax Efficiency of Business Income

  • Group Benefits

Insurance Planning

  • Income protection

  • Asset protection

  • Mortgage Insurance

  • Personal Loan Insurance

  • Family protection

  • Estate protection

  • Business Succession Planning

  • Buy/Sell Agreement Funding

  • Critical Illness benefits

  • Travel Insurance

Other

  • Capital Needs and Cash Flow Requirements 

  • Education Planning     

  • Short Term Goal Planning 

  • Debt Management