Financial Planning:

Financial planning allows us to create and implement a program to set and achieve long-term financial goals. Whether it is for your children’s education, your retirement, for financial security, or all of the above, you need a plan.

We WILL:

• Work with you to get to know you and your family, or your business.
• Help you determine and set long-term goals.
• Design an investment strategy tailored to your objectives, risk tolerance and time horizon (see Investment Solutions).
• Create a unique and comprehensive financial plan.
• Periodically re-evaluate your plan as your situation evolves.

Investment Solutions:

Market prices can often fall prey to the whims of investor sentiment. In turbulent markets, it is important to take a disciplined approach to investment management. Before designing an investment strategy, we take three important factors into consideration: objectives, risk tolerance and time horizon. We work closely with you to define these three factors which allow us to determine an appropriate asset allocation and which types of securities to include in your portfolio.

WE WILL:

• Work with you to develop a unique asset allocation strategy.
• Build your investment portfolio by selecting securities and investments that fit your asset allocation strategy.
• Monitor, review, and re-balance your portfolio on an ongoing basis.

Estate Planning:

Your family means the world to you, which is why it is important to prepare and protect your legacy. Estate planning is the process of anticipating and preparing for the management of your assets in the event of incapacitation or death.

WE WILL:

• Discuss and help you implement strategies to prepare for the transfer of your estate (trusts, beneficiary designations, will, etc.).
• Discuss the tax implications of the transfer of your estate and help you develop a taxefficient strategy (see Tax Strategy).
• Discuss the important role that life insurance plays in protecting your legacy and your loved ones (see Life Insurance).
• Discuss the importance of appointing powers of attorney.
• Tie all the above together to help you design a unique plan for the management and transfer of your estate.

Tax Strategy:

Different investment strategies give rise to different tax implications. Our goal is to minimize your tax liability and to help you meet your tax obligations. Tax strategy is an important part of financial and estate planning.

WE WILL:

• Carefully explain the tax implications of your investment strategy and any material transactions in your accounts.
• Discuss strategies to minimize income and estate taxes (income splitting, holding companies, trusts, etc.).
• Help you select and take advantage of tax efficient accounts (TFSAs, RRSPs, RRIFs, etc.).
• Time transactions to minimize and defer income taxes.

Life Insurance:

Whether you are an individual looking to protect your loved ones or a business owner looking to protect your company, life insurance is a powerful tool and an important part of financial and estate planning. Life insurance can help you protect and preserve the quality of life of your dependants. It can help ease the burden of estate taxes on your family and it can help maximize and protect the value of your legacy. Keyman insurance can help your business survive the death of an important executive.

WE WILL:

• Discuss how you can use life insurance to protect your dependants and preserve their standard of living.
• Examine how you can use life insurance to preserve your legacy.
• Discuss the importance of keyman insurance and how it can help you protect the continuity of your business.
• Perform a needs analysis to determine if and how much insurance you should purchase.
• Select an insurance plan that meets your unique requirements.

*Ask us about segregated funds and how they can compliment your insurance solutions.