Financial Planning

Investment Planning

Tax Planning

Retirement Planning

Insurance Planning

Education Planning

Estate Planning

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Services


SERVICES and PRODUCTS WE OFFER or FACILITATE

Personalized Financial Planning:  Development of a comprehensive long-term plan to show you how to reach your goals. We also offer segmented planning should you require planning for a specific need such as an educational funding strategy, or the design of a retirement income drawdown plan etc..

Investment Planning: Asset allocation advice. Risk/reward analysis. Personal portfolio management. Portfolio rebalancing. Products include; GICs, mutual funds, and segregated funds sold through Investia Financial Services Inc.

Retirement Planning: Effectively address your retirement issues and concerns to develop a realistic and achievable retirement plan. We specialize is setting up Self-Directed Registered Retirement Savings Plans (RRSP's) and Registered Retirement Income Funds (RRIF's).

Insurance Planning: Development of a program to make certain that your liabilities and obligations are covered, and your family protected. Products include; Term Life Insurance, Permanent Life Insurance, Disability Insurance, Long-Term Care Insurance, and Critical Illness insurance provided through multiple insurance carriers.

Tax Planning: Employing appropriate tax planning strategies to ensure that you minimize taxes today and in the future; Investing to maximize after-tax return on investments. Reducing your family's tax burden with effective income splitting techniques. Deferring taxes with RRSP's and other plans, Strategies for self-employed, and much more.  

 Education Funding: Effective strategies to maximize the money available to your children or grandchildren when they enroll in a full-time post-secondary program.

Estate Planning: Development of an estate plan to preserve, provide for, and protect your family. A plan will ensure the orderly distribution of your estate in the most tax efficient manner and in accordance with your wishes. Certain circumstances will necessitate special consideration and expert advice such as family-owned businesses, divorced and blended families, families with disabled dependants, or care of an elderly relative etc..

Gifting, Trusts and Charities:  Assist in determining the best method in creating your lasting legacy; either by reorganizing personal assets directly. or perhaps using a charitable remainder trust life insurance, solution.

Wills and Powers of Attorney: Planning for the unexpected by ensuring your Wills, Power of Attorney for Property as well as Personal Care and beneficiary designations are complete and up to date.

Business Planning: Integration of business planning with personal financial planning for self-employed individuals, and small business owners. A sampling in this area includes:

  1. Business Succession Planning using an estate freeze, sister company or through employees
  2. Tax advantaged income using a sister company
  3. Financial planning for professionals
  4. Executive Pension Plans
  5. Wealth Transfer
  6. Buy Sell Insurance

Referral network for accounting and legal services

The information contained in this commentary is designed to provide you with general information only, and is not intended to be comprehensive advice applicable to the circumstances of any individual. We strongly urge you to seek professional assistance before acting upon information included herein.

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