Call (905) 891-7171
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A good financial plan starts with seeing the big picture
Putting it all on one page
We can make better financial plans when we are on the same page - literally!
A bird's eye view of your entire financial situation allows us to have better discussions and outcomes.
We build a custom Asset-Map report for all of our clients and use it throughout our interactions to make sense of priorities, intentions, gaps, and improvement areas.
Your Asset-Map is a visual financial planning experience that helps us to make more informed decisions about your future.
Wealth Management Services
Investment & Retirement Planning
Investment & Retirement Planning
Investment & Retirement Planning
Portfolio management to build your retirement assets and generate retirement income.
Insurance Planning
Investment & Retirement Planning
Investment & Retirement Planning
Income replacement in the event of a disability, critical illness or loss of life.
Estate Planning
Investment & Retirement Planning
Estate Planning
Asset structure and transfer strategies that minimize taxation on assets at passing.
Looking out for your best interest
My commitment to you
I am here to take away the burden of managing all components of a financial plan on your own, allowing you to spend time on the things that matter, like your family, travelling, or a favourite hobby.
To do this effectively I work with a team of tax specialists and investment professionals who assist me in customizing the wealth management strategies for my clients.
The strategies are customized to your situation. No off-the-rack planning here. And since customization requires a higher degree of collaboration, you will hear from me often.
Credentials
Typical Client
STEVE & JANET age 50+ Interested in Wealth Accumulation
STEVE & JANET age 50+ Interested in Wealth Accumulation
STEVE & JANET age 50+ Interested in Wealth Accumulation
- They both have successful jobs
- and they are looking forward to retirement
- They are not members of a Defined Benefit Pension Plan, but have been saving throughout their careers contributing to their Registered Retirement Savings Plans (RRSPs), and have accumulated a nest egg of $500k+.
- Now that their children are just about finished university, they are motivated to start contributing more to their retirement plan.
- They are willing to assume some of the associated risks of market uncertainty in exchange for greater income potential.
- They are also trying their best to avoid or reduce debt.
- They enjoy entertaining family and friends at home and traveling to the Caribbean for their vacations.
- The majority of their savings used to be through their employer sponsored plan and investing with a major Canadian bank. They felt that even though they had someone to speak with on the phone or in the branch, it was on a superficial level and they were not confident in one-size fits all approach. They wanted a long-term trusted advisor who would tailor an investment strategy around their situation and objectives. They prefer independent advice that allows them to participate and learn more about various investment options.
TANYA & BRIAN age 60+ Unlocking Corporate Assets
STEVE & JANET age 50+ Interested in Wealth Accumulation
STEVE & JANET age 50+ Interested in Wealth Accumulation
- They are incorporated-business owners
- but don't have a definitive plan to retire
- They are hoping to eventually leave their business to their adult children or sell it. They maximize their RRSP and TFSA contributions each year but the bulk of their retirement savings are actually invested within their corporation.
- They are concerned about recent changes in legislation increasing taxation on passive income above $50k. They feel unfairly taxed.
- They want tax-effective solutions for the money invested in their corporation and the transfer or sale of the company.
- Risk management is also important in the case of death or illness.
- They spend a lot of time in their business, but have a lot of flexibility to go to the cottage and travel outside of the country.
- The majority of their savings are accumulating in their corporate accounts and they are now interested in setting up a Personal or Individual Pension Plan. This allows them to create a guaranteed income stream for life along with the taxation and estate benefits that are of tremendous value to them and their family members who are part of the business. They appreciate the coordination of their accounting and investing advice into a unified strategy that will allow them to meet their objectives in a tax-efficient manner.
RICHARD & DOROTHY age 70+ Wealth Preservation
STEVE & JANET age 50+ Interested in Wealth Accumulation
RICHARD & DOROTHY age 70+ Wealth Preservation
- They are enjoying retirement
- and are looking to maintain their savings
- They want to maintain their lifestyle without compromise and eventually leave an inheritance to their children. They have now converted their RRSPs and LIRAs to RIFs and LIFs and are receiving income from their investments.
- They prefer stable investments and are interested in ways to reduce taxes on investment income while maintaining government benefits.
- They want strategies that will generate tax-efficient income and a tax-effective strategy to leave their estate to their children.
- They are seeking income in a low rate environment.
- Most of their time is spent with family, grand-children (and their doctors) in between home and their cottage.
- There is a lot of interest in downsizing to unlock the value of their principal residence and invest. This represents a sizable portion of their assets along with their accumulated savings in RIFs and LIFs. Lifestyle consideration is important as are retirement cash flow and estate planning strategies. The number one thing my clients want is to ensure that each of their children receive their fair share of assets from the estate. They also want to know that their grand-children's education is properly funded.
