Services we offer

We deliver customized, comprehensive investment guidance, investment portfolio review and planning, detailed reporting and ongoing investment monitoring. We can also action transactions and clearing in multiple currencies for equities, fixed income investments, and mutual funds on major stock markets around the world.

After conducting a thorough discovery session designed to help us learn about you and your circumstances, we create an Investment Policy Statement that outlines your financial situation, goals and risk tolerance. This due diligence creates a roadmap for all future financial planning.

Our Wealth Strategies & Solutions Include:

  • Tax and financial planning: Net worth and cash flow projections; income splitting opportunities; use of tax planning vehicles and cross-border tax issues; tax-loss selling; capital gains exemption/deferral; professional incorporation; principal residence exemption.

  • Retirement plans, pension plans, and income funding: Financial projections; comparing pension alternatives; identifying capital requirements for early retirement; timing of pension receipts; CPP/QPP and OAS planning; issues for “snowbirds”; retirement residence planning.

  • Estate planning and wealth protection: Will planning; choosing an executor; planning for elder care; minimizing estate conflicts; use of Lifetime (Inter-Vivos) or Testamentary Trusts; tax minimization.

  • Insurance solutions for family and business: Risk management; estate preservation; tax-efficient alternative investments; living benefits; detailed policy review; new business management; life, disability, long term care, and critical illness insurance.

  • Succession planning for businesses and property: Technical issues regarding business succession (estate freeze, sale of assets vs. shares, shareholder agreements); family governance structures, separating family/ownership/management.

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

Our Investment and Retirement Strategies Include:

  • RRSPs (Registered Retirement Savings Plans)

  • RRIFs (Registered Retirement Income Funds)

  • TFSAs (Tax Free Savings Accounts)

  • RESPs (Registered Education Savings Plans)