Helping You With All Your
Financial Needs
Want to feel more knowledgeable and confident about your finances, but don’t know where to begin? We provide thoughtful recommendations that will help you move from vision to reality, from where you are now to where you want to be in the future. Our financial advisors have the knowledge, experience and ethics to look at your entire financial picture and provide you with strategies to help balance your needs today with your goals for tomorrow.
Wealth Accumulation
From helping you save for retirement or your children’s education, to managing investments, we help you build wealth for you and your family’s future.
Cash Flow Planning
Are you feeling overwhelmed by how much money you earn vs. how much you spend each month? Are you scared you might be spending money you should be saving or carrying too much debt?
We can help you figure out how best to allocate your income between savings and spending to ensure you can cover your expenses today and throughout your lifetime.
Retirement Planning
Do you have any idea what dollar figure you’ll need to maintain your lifestyle when you retire? Are you worried your investments won’t produce enough income?
We give our clients the power to prioritize their future selves and let go of any short-term bias so they’ll comfortably reach 85 and beyond. We’ll replace your fear for the future with peace of mind today & tomorrow.
Estate Planning
You’ve worked hard for your money but did you know that without an estate plan, your wealth could be used in a way that goes against your wishes and principles?
We create a comprehensive roadmap so no one has to guess about your final wishes. A will is just one part of that plan. We can help you avoid taxes and legal tie-ups, and ensure funds are bequeathed as you wish.
Tax Minimization
Are you worried you could be paying more in taxes than you should? Have you considered how taxes will impact your retirement? Do you want to owe less and pocket more?
We can help you :
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Choose tax-efficient accounts and investments
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Make tax-efficient retirement withdrawals
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Determine tax-efficient ways to transfer or gift assets to heirs
Risk Protection
How would you pay your bills without an income? Did you know your most valuable asset is YOU... and your ability to earn an income? 2 in 5 Canadians will suffer a life altering illness or disability in their lifetime.
Income Protection
If you become sick or injured and unable to work, the financial impact on your life could risk your recovery and derail your retirement plans.
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Critical Illness Insurance
Critical Illness Insurance gives you coverage when it counts so you can focus on your recovery knowing that you will receive a tax-free payment to help with your expenses if you’re diagnosed with a serious illness.
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Disability Insurance
Disability insurance works when you can’t. It can give you tax-free monthly income to help pay expenses if an illness or accident stops you from working.
Life Insurance
Are you confident your family will remain financially secure if you were to die? What about your business?
Using Life Insurance as part of any comprehensive financial plan protects both you, your business and your loved ones.
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Term Life Insurance
Life insurance doesn’t have to be a lifelong commitment. Term Life is an affordable, temporary coverage when you need it so your loved ones are protected when it matters most.
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Permanent Life Insurance
With permanent insurance, you pay a premium and have coverage for life. It also includes a savings component that you can access while you’re alive. Your life may change but your coverage won’t.
Charitable Giving
There's an old proverb that says... "A Society grows great when old persons plant trees in whose shade they will never sit." What proverbial trees would you like to plant? One of the clearest indicators that someone has an abundance mindset is that they give freely. When we live tightfisted, we are giving into fear and living with a scarcity mindset. Once you embrace that giving is the essence of living you can literally help change the world.
Legacy Planning
So how do you want to be remembered?
Defining your legacy can be a delicate and emotional topic, requiring thoughtful, personalized planning to preserve family harmony and create the legacy you envision. Your advisor can incorporate giving in a way that's personalized for your goals and values, and that can evolve over time to involve multiple generations.
Donations
What if we could show you how to do MORE with the $$ you donate?
A structured plan for charitable giving can encompass your values and complement your wealth planning. We can help you to review your spending plan to determine how much you can regularly give to worthy causes and include charitable giving as part of your overall tax management strategy.