Investment & Asset Management

• 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   

Estate Planning

• Legacy Planning

• Inheritance

• Intergenerational transfers

• Estate Bond

• Gifting to children

• Trusts

• Charitable donations

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

Retirement Planning

• Retirement Income Projection and Analysis  

• Pension Analysis

• Severance

• TFSA or RSP ?

• Goal Setting

• CPP and OAS Analysis

Tax Minimization Strategies

• 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 Accountant. 

Corporations and Businesses

• Business Risk Management

• Investment and Asset Management

• Group RSP

• Tax Efficiency of Business Income

• Group Benefits

Risk Management & Needs Coverage

• Income protection

• Asset protection

• Family protection

• Estate protection

• Travel Insurance

*As independent, licensed insurance advisors, we represent over 14 Insurance companies.

Other

• Capital Needs and Cash Flow Analysis 

• Education Planning     

• Short term goal planning 

• Debt Management

• Beneficiary audit

* We work closely with Accountants and Lawyers, ensuring goals and objectives are streamlined.