Our Services

Financial Planning

• Goal setting


• Cash-flow analysis


• Net worth assessment


• Investment planning


• Retirement planning


• Income and asset protection


• Estate planning


• Tax efficiency



 
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Investment Planning

• Establishment of investment objectives


• Asset allocation strategy development


• Portfolio design and security selection


• Investment management and advice


• Selection and monitoring of investment managers


• Periodic portfolio reviews and rebalancing



 
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Credit and Banking Strategies

• Effective credit management – mortgage, line of credit, personal and business loans


• Cash management



 
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Retirement Planning

• Identify goals


• Evaluate expected income


• Determine additional savings needed


• At retirement, develop a tax-efficient income strategy



 
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Protecting Your Lifestyle

• Income continuance planning (life and disability insurance)


• Develop asset protection strategies (mortgage life insurance, business continuation insurance, critical illness and long-term care insurance and insurance for estate planning).



 
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Legacy Planning

• Assess current and potential estate value


• Determine obligations (debts, dependants, taxes and probate costs)


• Identify estate planning issues and opportunities


• Devise strategies to fund obligations and wishes



 
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Tax Efficiency

• Review current and future tax situations


• Uncover opportunities to save taxes or defer taxation


• Develop strategies to cover future tax liabilities



 
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Business Financial Services

• Access to Commercial Banking Specialists


• Business investment management


• Succession planning and business transfer assistance



 
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Philanthropy

• Establish a donor advised fund or private foundation.



 
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