Investment & Asset Management

  • Goal setting and Required Rate of Return
  • Asset allocation based on personal goals and objectives
  • Ensuring investment selection is inline with goals & risk tolerance
  • Tax efficiency of Investments
  • Fee Analysis
  • Monitoring your financial objectives
 
 
 

Estate Planning  

  • Legacy Planning
  • Inheritance
  • Intergenerational Transfers
  • Estate Bond
  • Gifting To Children
  • Trusts
  • Charitable Donations

**Some Estate Planning strategies may require the involvement of a legal professional.

 
 

Corporations and Businesses

  • Investment and Asset Management
  • Group RSP
  • Tax Efficiency of Business Income
  • Group Benefits
 
 
 

Insurance Needs Analysis

  • Life Insurance
  • Critical Illness Insurance
  • Term Life Insurance
  • Travel Insurance
  • Follow Me™ 
  • Flexcare®
  • Personalized Health and Dental Plans
 
 
 

Retirement Planning

  • Retirement Income Projection and Analysis  
  • Pension Analysis
  • Severance
  • TFSA or RSP ?
  • Goal Setting
  • CPP and OAS Analysis
 
 
 

Tax Minimization Strategies

  • Tax Efficiency of Investments
  • Tax Deferral
  • Passing Assets Through Your Estate
  • Income Splitting
  • Intergenerational Transfer
 
**Tax minimization strategies abide by rules set forth by the CRA and may require us to work along side a Chartered Accountant. 
 
 
 

Risk Management & Needs Coverage

  • Income Protection
  • Asset Protection
  • Family Protection
  • Estate Protection
 
 
 

Cash and Savings Vehicles

  • Capital Needs and Cash Flow Analysis   
  • Short Term Goal Planning 
  • High Interest Savings Account
  • Manulife One Bank Account
  • Education Planning