Our Services

Wealth Management

Wealth management is an investment-advisory discipline which incorporates financial planning, investment portfolio management and a number of aggregated financial services.

Years of experience has allowed us to select the best investment products suited to your situation from a wide variety of suppliers and banks. We offer in mutual funds, stocks, bonds, ETFs (Exchange Traded Funds), GICs, life, disability and critical illness insurance from most financial institutions.

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Financial Planning

A Financial Plan is a foundation document that provides clarity about your future. It looks at where you are today, where you want to be and how to get there.

It includes every aspect of your finances:

  • Expenses & liabilities
  • Saving & investing
  • Paying down debt
  • Insurance & taxes
  • Retirement planning
  • Estate planning

A Financial Plan helps you define your short and long term goals. Once your goals are established, we evaluate strategies, timelines, the kind of investment returns and risk tolerance necessary for you to reach your goals. The Financial Plan should be reviewed and adjusted when there are significant changes in your life or the markets.

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Tax Planning

Tax planning is the analysis of a financial situation or plan from a tax perspective. The purpose of tax planning is to ensure tax efficiency.

Through tax planning, all elements of the financial plan work together to minimize taxes and maximize after-tax cash flow. Tax planning is an essential part of a financial plan. Deferral of tax, income splitting and the integration of investment income with other sources of income are crucial for success.

Tax planning covers several considerations. Considerations include both the timing and amount and type of income (dividends, interest, capital gains and return of capital). Also, the selection of investments and type of retirement accounts must complement the goals and objectives of the plan to create the best possible outcome.

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Retirement Planning

Canadians are living longer and leading more active lives than ever as seniors. You may be asking: when can I retire? When should I start planning my retirement? How do I plan for retirement?

Retirement planning encompasses a wide variety of issues:

  • Types of retirement income
  • How much money you need to retire (compare your current spending with expected retirement spending)
  • The impact of inflation on your retirement income
  • How to invest money for and in retirement?
  • The Canada Pension Plan (CPP)
  • Old Age Security (OAS) pension and clawback

Whatever your vision of retirement looks like, we will address all your issues, answer all your questions and give you the tools and resources to reach your goals.

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Estate Planning

Estate planning is the process of anticipating and arranging, during a person's life, for the management and distribution of that person's estate, while minimizing probate costs and taxes on the final return.

Estate planning includes planning for incapacity as well as a process of reducing or eliminating uncertainties over the administration of a will and maximizing the value of the estate by reducing taxes and other expenses. We base your estate planning on what your specific goals and needs dictate.

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Insurance Planning

Insurance is a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium.

Insurance coverage helps people recover financially from unexpected events, such as car accidents or the loss of an income-producing adult supporting a family. As insurance coverage is often determined by multiple factors, we will be happy to evaluate your current coverage and recommend insurance products tailored to your situation.

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Registered Education Saving Plans (RESPs)

A Registered Education Savings Plan (RESP) in Canada is an investment vehicle available to Canadians to save for a child’s post-secondary education.

The principal advantages of RESPs are the access they provide to the Canada Education Savings Grant (CESG) and their ability to generate tax-deferred income.

With a RESP, contributions (comprising the investment's principal) are, or have already been, taxed at the contributor's tax rate, thus they are not taxed on withdrawal. The investment growth (and CESG) are taxed on withdrawal at the recipient's tax rate. An RESP recipient is typically a post-secondary student; these individuals generally pay little or no federal income tax, owing to tuition and education tax credits. Thus, with the tax-free principal contribution available for withdrawal, the grants and investment growth taxed at a low rate or not taxed at all, the student will have a good source of income to fund their post-secondary education.

Read More

Wealth Management

Wealth management is an investment-advisory discipline which incorporates financial planning, investment portfolio management and a number of aggregated financial services.

Years of experience has allowed us to select the best investment products suited to your situation from a wide variety of suppliers and banks. We offer in mutual funds, stocks, bonds, ETFs (Exchange Traded Funds), GICs, life, disability and critical illness insurance from most financial institutions.

Financial Planning

A Financial Plan is a foundation document that provides clarity about your future. It looks at where you are today, where you want to be and how to get there. It includes every aspect of your finances:

  • Expenses & liabilities
  • Saving & investing
  • Paying down debt
  • Insurance & taxes
  • Retirement planning
  • Estate planning

A Financial Plan helps you define your short and long term goals. Once your goals are established, we evaluate strategies, timelines, the kind of investment returns and risk tolerance necessary for you to reach your goals. The Financial Plan should be reviewed and adjusted when there are significant changes in your life or the markets.

Tax Planning

Tax planning is the analysis of a financial situation or plan from a tax perspective. The purpose of tax planning is to ensure tax efficiency. Through tax planning, all elements of the financial plan work together to minimize taxes and maximize after-tax cash flow. Tax planning is an essential part of a financial plan. Deferral of tax, income splitting and the integration of investment income with other sources of income are crucial for success.

Tax planning covers several considerations. Considerations include both the timing and amount and type of income (dividends, interest, capital gains and return of capital). Also, the selection of investments and type of retirement accounts must complement the goals and objectives of the plan to create the best possible outcome.

Retirement Planning

Canadians are living longer and leading more active lives than ever as seniors. You may be asking: when can I retire? When should I start planning my retirement? How do I plan for retirement?

Retirement planning encompasses a wide variety of issues:

  • Types of retirement income
  • How much money you need to retire (compare your current spending with expected retirement spending)
  • The impact of inflation on your retirement income
  • How to invest money for and in retirement?
  • The Canada Pension Plan (CPP)
  • Old Age Security (OAS) pension and clawback

Whatever your vision of retirement looks like, we will address all your issues, answer all your questions and give you the tools and resources to reach your goals.

Estate Planning

Estate planning is the process of anticipating and arranging, during a person's life, for the management and distribution of that person's estate, while minimizing probate costs and taxes on the final return.

Estate planning includes planning for incapacity as well as a process of reducing or eliminating uncertainties over the administration of a will and maximizing the value of the estate by reducing taxes and other expenses. We base your estate planning on what your specific goals and needs dictate.

Insurance Planning

Insurance is a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium.

Insurance coverage helps people recover financially from unexpected events, such as car accidents or the loss of an income-producing adult supporting a family. As insurance coverage is often determined by multiple factors, we will be happy to evaluate your current coverage and recommend insurance products tailored to your situation.

Registered Education Saving Plans (RESPs)

A Registered Education Savings Plan (RESP) in Canada is an investment vehicle available to Canadians to save for a child’s post-secondary education. The principal advantages of RESPs are the access they provide to the Canada Education Savings Grant (CESG) and their ability to generate tax-deferred income.

With a RESP, contributions (comprising the investment's principal) are, or have already been, taxed at the contributor's tax rate, thus they are not taxed on withdrawal. The investment growth (and CESG) are taxed on withdrawal at the recipient's tax rate. An RESP recipient is typically a post-secondary student; these individuals generally pay little or no federal income tax, owing to tuition and education tax credits. Thus, with the tax-free principal contribution available for withdrawal, the grants and investment growth taxed at a low rate or not taxed at all, the student will have a good source of income to fund their post-secondary education.

Call us today for a free consultation or dinner presentation.

Contact Us phone(613) 824-7777