Your current lifestyle needs are more than adequately covered, and you want to delegate proper financial planning and wealth management to a trustworthy third party.

We will:

• Create a roadmap for your financial goals, focusing on the risk of outliving your money, and the long-term impact of inflation.

• Provide and manage a reasonably priced, pension-style investment portfolio.

• Assess your “human capital” risks and provide appropriate insurance solutions if/as needed.

• Minimize your annual income tax bill with lesser known, low-risk, CRA-approved tax reduction strategies.

• Constantly work on the big picture while staying on top of the details.

We will take the worry of your future finances off of your plate, allowing you to focus on other important matters.

As an Incorporated Business Owner, balancing business growth with personal life is crucial.

We can help you with:

• Personal financial planning and increasing business value.
  

• Attracting and retaining valuable employees through group health & dental insurance plans.
  

• Protecting financial interests of Buy/Sell agreements.
  

• Lowering out-of-pocket insurance costs, and turning an annual expense into a cash-flow asset.
  

• Investing excess corporate cash for prudent growth, without generating highly-taxed passive income.

Our process involves getting to know you and your business, relieving financial worries, allowing you to focus on business growth and personal pursuits.

Planning alleviates the fears and anxieties of transitioning from your EARNING phase to your BURNING phase.

Our focus is:

• Helping you identity your lifestyle needs.

• Creating a clear “Big Picture” summarizing your personal finances.

• Consolidating investment accounts, and managing them for lifelong, inflation-protected income.

• Protecting your long-term purchasing power.

• Determining prudent investment allocation and location.

• Improving tax efficiency.

Feeling secure in retirement means having more than you need to enjoy a dignified and independent life for thirty or more years, in an inflationary environment. A solid financial plan and pension-style investment management ensures you achieve this.

Retirement is about peace of mind and enjoying your dream life. You’ve worked hard to get here.

A common mistake is to assume it’s time to “protect your capital” and that a financial plan is unnecessary. On the contrary, there are still challenges to overcome - and a solid financial plan can help.

Our planning focuses on:

• Providing income streams to support your current lifestyle.

• Protecting your future purchasing power by ensuring your portfolio grows.

• Maximizing tax-efficiency.

• Balancing your lifestyle needs with your future beneficiaries’ and estate’s needs.

• Reducing your annual and estate tax payments.

• Developing strategies for distributing your estate to your chosen beneficiaries.

Planning frees you to enjoy your dream life while ensuring your financial future.