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
  • Continuous Monitoring and goal checks

Tax Minimization Strategies

  • Tax efficiency of investments
  • Tax deferral
  • Tax conversion
  • 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. 

Retirement Planning

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

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.

Risk Management & Needs Coverage

  • Income protection
  • Asset protection
  • Family protection
  • Estate protection
  • Travel Insurance

Corporations and Businesses

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

Other

  • Capital Needs and Cash Flow Analysis 
  • Education Planning     
  • Short term goal planning 
  • Debt Management
  • Beneficiary audit

RESPs, RRSPs and TFSAs - Which one is right for you?

When it’s time to decide which mix of savings vehicles is right for you, your options can start looking like a hearty bowl of alphabet soup. Click here to learn more about each of them.

TFSAs - The Facts

Whether you are saving for the shorter term, or the long term, a TFSA can be a valuable addition to your financial strategy. It’s a powerful tool to save money in a tax free environment. Click here to learn more.

RRSPs - The Facts

Almost everything you need to know about RRSPs. If you are like most Canadians, chances are you could use some help when it comes to saving for retirement. When used to its full advantage, an RRSP can be a powerful tool that can save you money. Click here to learn more.

What is a mutual fund?

A mutual fund is an arrangement under which shares or units are sold to raise capital.

Investors purchase units if the mutual fund is a trust or purchase shares if the fund is a corporation. When you invest in a mutual fund, your money is pooled with the money of other investors and invested on your behalf by the fund manager. Mutual fund trusts and corporations are also known as flow-through entities.

For tax purposes, a flow-through entity treats the taxable income earned inside the entity as if you held the investments directly, instead of through the fund. The income that is distributed, or flowed out to you, keeps its identity. For example, dividend income remains dividend income, and capital gains remain capital gains when they are flowed out (or distributed) to investors.

For more information, please contact me.

Source: Canada Revenue Agency

Advantage Account

Advantage Account is a high-interest savings account that offers a high interest rate and gives you the features and flexibility of a chequing account – all in one account. With online and telephone transfers, pre-authorized chequing and bill payments, and debit card access, you can access your money when and where you need it.  

Plus, Advantage Account now offers unlimited chequing for free when your balance is $5,000 or more!

Making deposits into your Advantage Account is free, and withdrawals are free when your balance is $5,000 or more at the time of transaction.

For more information about Advantage Account, please contact us.