FINANCIAL PLANNING

Providing peace of mind on all financial planning needs

Every Canadian needs a financial plan.  As one of the foremost planning teams in Canada, we will help you define your financial goals, cost them out and attach timelines.  Over several meetings, we will integrate your planning and tackle your priorities in the areas of:

  • Pre-retirement planning
  • Post-retirement income design
  • Income tax planning
  • Estate planning
  • Personal insurance strategies
  • Employer benefits, pensions, bonus planning
  • Children’s savings
  • Eldercare
  • Real estate advice
  • Debt management
  • Investment management
  • Career finances integration

To keep you on track, we will monitor your plan during the year, communicate results, help you develop priorities and benchmark your progress over time. 

Taxes

One of our most popular services we offer is advanced tax planning on your income, estate, investments, assets and your family. 

Annual tax planning and strategies are discussed in every meeting in order to keep you up to date with the latest news from the Canada Revenue Agency.

Estate

We help clients prepare or update their estate plan including preparation of estate documents.  We also keep copies of your Wills and Powers of Attorney and are ready to help the family if required.

Investing

We build professional investment portfolios that are risk managed, value priced, tax smart using state of the art investment products for individuals, families, not-for-profit organizations, estates, trusts, corporations and more.

Risk Managment

Offering advice to clients in need of life insurance, travel insurance, disability insurance, health insurance and other personal insurance.  Providing guidance on creditor protection techniques, minimizing stock market losses and divorce-proofing assets.

Debt

We help clients structure their mortgages and lines of credit to be as low cost as possible, providing guidance on types of debt, interest rates and debt vs. save priorities. 

Real Estate

For many of us, buying a home is the largest purchase made in a lifetime.  We help clients decide how much to spend on a home and discuss what type of home is suitable.

Dependents

We offer parents and children a wide variety of services from birth to age 30.  We coach parents on savings using RESPs and in trust for accounts.  We offer Money University to teenagers ready to embrace financial learning and we help 20 somethings establish their own goals with their first jobs. 

Similarly, for our elderly clients and families, we offer eldercare services that include helping to determine the cost of healthcare in old age. 

Career

Turn to our services for help understanding your group health insurance, company pension plan, executive compensation tax strategy, severance packages, bonus planning and more.

Retirement

We offer a four-stage retirement planning service that includes pre-retirement goal setting and bench-marking progress towards goals each year;  post-retirement cash flow design from age 60 to age 80;  late retirement cash flow design and death of a spouse planning;  and eldercare services for age 90+.

Watch the videos here to learn more about our Retirement planning essentials.