Step 2: Risk Management

We analyze your insurance needs, and make recommendations that will ensure your financial obligations are met if you should die, become sick, are injured or permanently disabled, including:

• Customized life insurance plans to protect against premature death.
• Critical illness insurance.
• Long-term care insurance to cover the rising cost of nursing care.
• Disability insurance to protect against unforeseen accident or sickness.

Universal Life Insurance
provides you with permanent life insurance as well as sophisticated tax shelter and estate planning protection.

Term Life Insurance
protects you and your family from the loss of a primary income earner.

Buy/sell or Key Man Insurance
helps business partners protect the value of their business assets.

Critical Illness or Disability Insurance
protects you and your family from financial distress due to an unexpected accident or illness.

Long Term Care Insurance
covers the high costs associated with nursing care.

Out of Country Medical Insurance
protects you and your family against a medical emergency while traveling outside of the country.

Our clients always know they are getting a recommendation that includes the right amount and type of insurance coverage to meet their needs.

Step 3: Retirement Planning

Working with some of the top money managers in Canada and globally, we have steered our clients' investment assets through bull and bear markets without wavering from our disciplined and proven approach and plan which is based on age, cash flow and risk tolerance level.

We add value by remaining vigilant in achieving long-term success for our clients and believe that short-term market fluctuations should not result in significant changes to portfolio construction.

We will not deviate from our approach by attempting to chase higher returns, or by being seduced by marketing gimmicks posing as good investment strategies. Our patience and confidence in these top money managers have served our clients well.

Our investment dealer is Manulife Securities Investment Services Inc, a subsidiary of Manulife Financial Corporation, and a proven institution and name that Canadians have trusted for over 130 years.

Step 4: Tax Planning

Working closely with some of the top tax and estate planning experts in Canada, we will help you reduce the amount of taxes you pay and maximize your return.

We have extensive experience in structuring insurance and investment portfolios that provide peace of mind as well as offer the potential for significant tax savings.

We will work with your legal or accounting advisors to make sure that your wills and power of attorneys are up to date with proper executors and beneficiaries.

Step 5: Estate Planning

Working closely with some of the top tax and estate planning experts in Canada, we will help you ensure tax efficient transfers of estates from one generation to the next.

We have extensive experience in structuring insurance and investment portfolios that provide peace of mind as well as offering the potential for significant tax savings.

We will work with your legal or accounting advisors to make sure that your wills and power of attorneys are up to date with proper executors and beneficiaries.

Step 6: Special Needs

• Education planning
• Caring for a parent
• Starting a business
• Severance packages

Many our clients with young children are concerned about the rising cost of post secondary education. We will develop an investment plan to ensure that some or all of post secondary education expenses are covered when your child attends college or university.

We can also assist you in managing the ever-increasing cost of private nursing care or dealing with the complications of starting a business.

If you are severed by your employer, we can help you deal with the transfer of your pension plans and customize a plan to ensure that any lump sum received is used according to your needs.