Investments

We like to start building relationships with you as early as possible in your investment journey. As a financial services firm that provides independent wealth management advice, we work for you first and are not tied any one investment counsellor or fund provider. We know which investment solutions will work to achieve different goals, and no two strategies are ever alike. What you are getting is customized, professional advice to arrive at a portfolio that is uniquely yours. We believe that every plan is a work in progress – we work with what we know today and will adjust for tomorrow.

Retirement Planning

Retirement planning requires stable, long-term strategies be developed that can adapt over time to planned or unexpected changes in your life. At the core, is understanding the unique needs of you and your family, so that we can provide a clear roadmap for your financial future. By balancing your everyday needs and goals with the appropriate long-term strategy, we can develop a plan that covers government programs, pensions, other sources of retirement income, life expectancy and historical rates of inflation to ensure you are living comfortably and according to the vision you have for your retirement.

Tax Efficiency Planning

From individuals to corporations, tax efficiency planning is one of the best ways to free up additional capital for investing. Increasing tax deductions, deferring income to a future year and splitting income with family members, are just a few of the strategies we can explore to ensure your taxation risk is reduced within your risk tolerance profile.

Estate Planning

After a lifetime of hard work and sacrifice, you want to be sure that your assets will be passed on the way you want them to be. Our team can help you develop an estate plan to reduce tax on the assets you leave to your heirs, while also making settling the estate as smooth and stress-free as possible for everyone involved. Whatever the size of your estate, our focus is on bringing key stakeholders together through open communication so that your wishes are known and acted upon, and heirs and executors have the information they need to reduce taxation or unnecessary delays or challenges during a difficult time.

Corporate Strategies –
Business Owners

We advise business owners and their executives on all aspects of their financial plans, including investment tax minimization, estate, retirement, and investment portfolio planning. We also help corporations implement executive compensation structures such as individual pension plans and other tax-deferral strategies. Many of our clients don’t necessarily want to know everything that is “under the hood” but can rest assured we are walking alongside them to optimize their business wealth through tax, investment, insurance, and other strategies that keep the maximum amount of revenues in the business. We understand the complexities of family-owned businesses and other corporate structures, which is essential when guiding owners through building, passing down, or selling their business most efficiently.