Customized Strategies

 

At Orgil Wealth, we take pride in our comprehensive understanding of our clients’ needs and goals. To develop a holistic view of your financial situation, we look at your family background, priorities, objectives, and constraints. We then custom build a wealth plan centred on your unique situation. From there, we develop, implement, and manage a complete wealth management strategy to achieve your investment goals. 

It is crucial for us to focus on your priorities to protect and enhance your wealth

An in-person review ensures that we have captured all of your requirements and that you are comfortable with our recommendations and strategy - only then do we implement your personalized wealth plan. Ongoing monitoring will ensure that as markets, economic or personal circumstances change, your portfolio is aligned to mitigate risk, minimize tax and capitalize on opportunities. Our lines of communication are always open, you’ll receive regular reporting, and scheduled portfolio reviews to keep you constantly informed.

 

Our customized strategies include some or all of the following:

 

Tax & financial planning

Net worth and cash flow projections; income splitting opportunities; use of tax planning vehicles (Trusts, RRSPs, TFSA, RESP, etc.); cross-border tax issues; tax-loss selling; capital gains exemption/deferral; professional incorporation; principal residence exemption

 

Retirement planning

Financial projections; comparing pension alternatives; identifying capital requirements to retire early; timing of pension receipts; CPP/QPP and OAS planning; issues for "snowbirds”; retirement residence planning

 

Estate planning

Will planning; choosing an executor; planning for incapacity; minimizing estate conflicts (including cottage and business succession issues); use of Lifetime (Inter-Vivos) or Testamentary Trusts; tax minimization

 

Insurance solutions

Risk management; estate preservation; tax-efficient alternative investments; living benefits; also includes a detailed policy review; new business management; life, disability, long term care, and critical illness insurance

 

Business succession

Technical issues regarding business succession (estate freeze, sale of assets vs. shares, shareholder agreements); farm continuance; family governance structures, separating family/ownership/management

 

Philanthropy

Private and public foundations and donor-advised funds; donating publicly-listed securities and stock options; donations upon death/gifts of life insurance