We are committed to helping affluent Canadians manage the complex and evolving needs of their wealth. Whether you are recently retired or have a growing business, we take a holistic approach to your overall financial well-being. Clients and their families are at the heart of everything we do, every day. We have helped clients across a range of needs and goals that include:
Pre-retirees and Retirees
You may have spent your working life accumulating wealth. Now you are getting ready to move to the next phase. This will involve a fundamental change in how you view and manage your wealth. While looking at ways to increase it, you are now also looking at ways to protect it to maintain your lifestyle and leave a legacy. The next stage of your life will be different.
The focus has moved from saving to growing, protecting, and enjoying your wealth.
We can help you address several realities:
- You may live longer than you expect, and maintaining your lifestyle could become a challenge.
- Managing your tax bill is even more critical to protecting your assets over time.
- The strategies for creating a tax-efficient, life-long income are different.
- Your ability to leave a legacy depends on a well-thought-out plan.
We are here to listen and help you look forward to a long and comfortable retirement.
Business Owners and Entrepreneurs
We work with business owners and entrepreneurs who have spent years and even lifetimes building their business. Whether you are just starting out or have an established business, we can help you maintain your lifestyle now and throughout your retirement. Building wealth goes beyond running a strong balance sheet and showing profits each year. A key to enjoying the results of your hard work is to build wealth inside and outside your business.
Building wealth goes beyond running a strong balance sheet and showing profits each year. A key to enjoying the results of your hard work is to build wealth inside and outside your business.
We can guide you in creating:
- a succession plan to help ensure you get the return on your life investment you deserve
- a holding company, a life insurance policy, and other tools to limit your tax liability
- a well-diversified investment portfolio outside the business that can continue to generate income long after you have sold or moved on from your life as a business owner
As fellow business owners, we understand your needs and are here to help.
Given your commitment to the well-being of your patients and staying current with medical advancements, you may not have time to focus on your present and future wealth management needs.
The complexity of your investment and other wealth-related decisions grow with your practice. For example, you may be approached with random investment opportunities offering potentially attractive benefits. Yet, you feel they are complicated and outside your comfort zone. We can help you stay on track with wealth management strategies and investment opportunities that are in line with your risk tolerance while offering the potential for steady investment returns.
We offer practical investment and tax management insights that are relevant to your needs as a medical professional. For example, we can help you minimize your tax liability on active business income by setting up a Canadian controlled private corporation on your behalf. And we will work with you in other ways (including creating a corporate life insurance policy on your behalf) to help you make the most of deductions and credits that can save you money.
The life of an athlete is fast moving with lots of time on the road and hours spent training. Among this fast-paced lifestyle, a financial planner can help athletes stay on track and prioritize their financial well-being.
As a former athlete, Jason understands the specialization that is required when building a financial plan for athletes. Since professional athletes generally have a shorter working life on average, these plans must be built around additional focus points such as making short-term income last, saving strategies, increasing cash flow, and ensuring the plan is suitable for the desired retirement goal. Professional advice early on in an athlete’s career is an essential component for their financial longevity and our team of highly accredited professionals can provide these services.
We can implement strategies to help you:
- Develop a savings strategy
- Create longevity out of short-term income
- Increase cash flow using debt consolidation
- Save on taxes by implementing tax-saving strategies