Whether your financial goals are to: plan for retirement, minimize taxes, own a home or cottage, provide for a child’s education, protect your income and assets or own a business we can help you with our following planning services:
Comprehensive Financial Plans
An essential step to ensuring your financial decisions are best suited to your current and future needs in building towards your future lifestyle expectations, our approach entails:
| Step 1: | Gain a better understanding of what Financial Security means to you. Identify and understand your financial and personal values, outlook and desired results as they relate to your financial goals, needs and priorities. |
| Step 2: | Gather relevant personal information to understand your current situation. Clarify your present situation by collecting and assessing your financial data. |
| Step 3: | Identify any roadblocks and/or financial problems that can create barriers to achieving your financial goals and objectives. |
| Step 4: | Prepare a written personalized financial plan to provide recommendations to deter these barriers and provide solutions structured to meet your future financial needs |
| Step 5: | Implementation of your financial plan. Assist you in implementing the right strategy to ensure that you reach your goals and objectives |
| Step 6: | Periodic review of your financial plan to review the progress and make any adjustments, if necessary, according to ongoing life changes and goals. This is to ensure your plan is on track towards meeting your financial needs. |
Individual Insurance
To assess your current and potential future risks and provide solutions to reduce, eliminate and/or transfer the exposure to ensure that your wealth is protected.
- Life Insurance (Term, Participating, Permanent, Universal Life)
- Health, Dental & Vision Care
- Income Protection/Disability Insurance
- Critical Illness Insurance
- Long Term Care
- Out-of-Province/Country Travel Insurance
Investment Analysis
To ensure your investments are tailored to meet your goals and objectives, values, temperament and risk tolerance, while providing projections and recommendations towards meeting your financial goals.
Investment and Retirement Management
Wealth Accumulation Plans
- Registered Retirement Savings Plans (RRSP)
- Investment Accounts (Non-Registered Savings Accounts)
- Locked-In Retirement Accounts (LIRA)
- Registered Education Savings Plans (RESP)
- Tax-Free Savings Account (TFSA)
- Pension Plans
Wealth Income Plans
- Registered Retirement Income Fund (RRIF)
- Annuities
- Life Income Funds (LIF)
- Locked-In Retirement Income Funds (LRIF)
Group Benefits and Retirement Programs
Group Benefits Plans
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- We will help you design and implement a group benefits plan for your workplace
- Life
- Disability
- Critical illness
- Extended health
- Dental and Vision
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Group Retirement Plans
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- We will help you design and implement a group benefits plan for your workplace
- Registered Retirement Savings Plans (RRSP)
- Deferred Profit Sharing Plans (DPSP)
- Tax-Free Savings Account (TFSA)
- Registered Pension Plans (RPP)
- Employee Share Ownership Plans
- Individual Pension Plans
Tax and Estate Planning
Understand your current and future tax situation, minimize the taxes you pay, plan your financial affairs in the way that works best for you, ensure the government does not end up collecting more taxes than is necessary and ensure your legacy is disbursed the way you intended.