MANAGING CASHFLOW
Planning For Major Expenditures
Maximizing Business Success
SHARING YOUR WEALTH
Optimizing Your Retirement
RISK MANAGEMENT
Investment Management
When building client portfolios, we offer unbiased and specialized advice. We build portfolios with a focus on long-term growth, seeking to maximize efficiency and returns while managing risk. We consider the complex needs of our clients—whose goals, timelines, and tolerance for risk vary widely—when we make investment decisions together. Our advisors have freedom to make recommendations on various investment choices with no pressure or incentive to sell you a certain product or service. Our team is constantly monitoring your portfolio, and working with our clients to make adjustments when necessary to fulfill your objectives while keeping in mind your cash-flow, risk tolerance and maximizing tax efficiency. We can ensure that our advisors put the interests of the client first every time. To ensure for the best possible experience with us. We are committed to providing you with the highest level of service, expertise and integrity.
Seperately Managed Accounts
Welcome to a new era of investing that is tailored to you – with our SMA accounts, its not simply about growing your accounts. It’s about aligning your investments with your unique aspirations. Each individual portfolio is overseen by a licensed portfolio manager. With an SMA, individual investors directly own the stocks, bonds, and other securities in the portfolio.
With an SMA, individual investors directly own the stocks, bonds and other securities in the portfolio. The SMAs also:
•Provides access to a comprehensive range of investment vehicles, allowing investors to build a diversified investment strategy – while benefiting from the ability to manage tax implications and liquidity.
•Allow investors to place limits on gains or losses as well as impose investment restrictions.
Are you looking for a way to invest that’s both personal and professional? SMAs offer the best of both worlds. Influence the direction of your investments while benefiting from the expertise of seasoned professionals. Your financial story deserves to be written with your input, and SMAs provide the platform for you to take an active role.
Retirement Planning
Regardless of the stage of retirement planning you are at, we will look to create solutions tailored to each client. Whether you are: Just starting to think about retirement, or closing in on retirement, you will want to ensure that your investment mix reflects is right for you. Planning for your retirement is so much more than simply having a Registered Retirement Savings Plan (RRSP). A real retirement plan starts with a clear picture of your goals, your lifestyle, expenses and ALL your sources of retirement income – such as RRSPs, TFSAs, OAS and pensions. Our team will work with you to create a holistic plan that covers all angles of your situation. Our world is constantly changing and you need a plan that can change with it
Risk Management
Financial planning is more than just saving money and investing wisely. Because we live in an unpredictable world, it’s important to ensure that all areas of life are accounted for—whether or not you expect them to be affected by unforeseen events or circumstances.
Having the right type and amount of insurance in place can lessen the impact that a catastrophic event may have on your finances.
Typically, we assume that we have sufficient insurance coverage, but after sitting down with one of our advisors and discussing your situation in detail, it becomes clear that many gaps exist.
No matter what you’re looking to protect and why, we’ll work with you to develop a strategy that is best for your situation.
When you’re ready to explore the many options available to you, please contact us today. We’ll be happy to sit down with you and discuss your current insurance needs as well as provide advice on how to best prepare for the future
Tax Planning
Tax-efficient financial strategies should be an integral part of any financial plan. With a properly tailored approach, you can reduce your tax obligations, estate tax liability, and ensure that you keep more of your investment growth. Our tax professionals will assist you in developing an efficient financial plan that minimises your tax liability. Whether you’re looking to make sure an efficient tax approach in the U.S. and Canada, establishing a professional corporation, creating a trust in your will, or creating charitable bequests, we can assist you.
Estate Planning
The effective and successful estate plan requires open communication among everyone involved so that your intentions and wishes relating to you, your family, and your charitable organisations are understood. We will provide solutions that maximise the value of your estate while ensuring that your beneficiaries receive everything you intend for them. We can help you recognise how the choices you make today affect the value of your estate.
Corporate Benefits
In an increasingly competitive corporate world, we will work with you to ensure that you are presenting the best offer possible to your team, regardless of the stage of your business. This may include complete look at retirement and health benefits to ensure that your offering is as efficient as possible; or to providing financial literacy seminars to help educate your employees.
