BLAIS & ASSOCIÉS PRIVATE WEALTH

Our highly personalized approach to growing and preserving your wealth offers you integrated financial planning reflected by a global view of your finances aligned with every aspect of your financial life.


 

Retirement Planning

 

Analysis of your financial needs for retirement

We start with a detailed assessment of your lifestyle and goals so we can determine the income level you’ll need to maintain your quality of life.

 

Detailed projection and monitoring of your retirement income

We create accurate simulations of your net retirement income, factoring in your changing expenses, inflation, and your life goals.

 

Strategic analysis of government benefits

We optimize the timing of your government benefits to maximize your income and integrate them effectively into your broader financial plan.

 

Optimized sequencing of asset withdrawals

By determining the most efficient order for drawing down your assets (like RRSPs/RRIFs, TFSAs and non-registered accounts), we reduce your tax burden and preserve your wealth.

 

Management of longevity and inflation risks

Our strategies are designed to protect your purchasing power and limit the risks that come with living longer so you can enjoy your retirement with lasting financial security.

    

Maximum tax efficiency

Optimized sequencing of asset withdrawals

We determine an order for drawing down your assets that will maximize your net after-tax income, today and throughout your retirement.

 

Income splitting

We implement income-splitting strategies for couples that take full advantage of all available tax credits and exemptions.

 

Tax-efficient investing

We design a tax-efficient asset allocation that accounts for the specific tax treatments of different income sources, including interest, Canadian dividends, and capital gains.

 

Getting the most out of your registered plans

We optimize the use of your RRSPs, TFSAs, RESPs and other registered vehicles to enhance the overall efficiency of your financial plan and effectively manage deferrals and deductions.

 

Integrating your philanthropic goals

We help structure your charitable giving to combine generosity with tax efficiency. Support the causes that matter most to you with a strategically crafted philanthropic plan. Align your values with your wealth management strategy and create a legacy that reflects more than just financial achievement.

 

Planning for estate taxation

We include estate planning in your overall tax strategy from the outset so you can pass on your wealth with minimal tax impact.

Investment counselling

Defining your investment profile and goals

We carefully assess your risk tolerance, investment horizon, life goals (retirement, income generation, wealth transfer), and investment experience to build a strategy that aligns with your reality.

 

Asset allocation strategy

Our considered approach diversifies your portfolio across equities, bonds, cash and alternative products, as well as geographic regions (such as North American and emerging markets) to optimize stability, growth and tax efficiency.

 

Investment vehicle analysis

We select the accounts and vehicles that best meet your needs—RRSPs, RRIFs, TFSAs, non-registered accounts, holding companies and life annuities***—considering your liquidity, growth and income horizons and balancing active and passive management based on your situation.

 

Tax-smart investment strategies

We minimize the tax impact of your investment income by placing the right assets in the right accounts, optimizing the withdrawal sequence, and realizing capital gains and losses at the right time.

 

Dynamic portfolio management

Our approach includes ongoing performance monitoring, periodic rebalancing, and continuous portfolio adjustments based on market changes and your evolving life goals (retirement, business sale, estate planning, etc.).

 

Aligning with your values

We take responsible investment criteria into account, including ESG considerations, in your portfolio to reflect your values, sector preferences, and long-term legacy and philanthropic objectives.

 

Transparency

We carefully explain and document your investment strategy. We emphasize disciplined decision-making and provide you with powerful tracking tools to ensure full transparency and build lasting trust.

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Estate planning

Prioritizing your estate wishes

We help you clearly articulate and formalize your estate wishes, considering your family situation, philanthropic projects, and harmony among your beneficiaries.

 

Planning your legacy

We anticipate every aspect of your estate to help you build a lasting legacy that reflects what you wish to pass on to future generations.

 

Optimizing the transfer of your wealth

We work to minimize the tax burden on your heirs through integrated, proactive planning. We structure the transfer of your assets in a tax-efficient manner to maximize the net value passed on to your heirs.

 

Legal protection of your estate

We anticipate your estate’s liquidity needs to cover debts, taxes, and estate expenses and avoid placing any burden on your heirs. We specifically consider the role of insurance in this strategy.

 

Planning for estate liquidity

We take a transparent and harmonious approach to estate planning by helping clients communicate with their loved ones when desired. This contributes to greater family unity and helps prevent conflicts.

 

Family support and communication

We take a transparent and harmonious approach to estate planning by helping clients communicate with their loved ones when desired. This contributes to greater family unity and helps prevent conflicts.

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