Achieving your financial goals doesn’t happen overnight; its takes careful planning and execution. We work with you to clearly identity your goals, priorities and to focus your resources on achieving your objectives.
To attain your goals we need to know where you are today, where you want to be in the future and develop a plan to help you get there. Comprehensive financial planning takes all aspects of your person, financial, family and business into consideration and will help answer questions such as:
- What will your retirement look like?
- What do you want to do in this next stage of life?
- How are you going to pay for the retirement you envision for yourself?
- How do I efficiently extract income from my retirement accounts?
- How do I efficiently extract income from my business?
- How do I transition a business to the next generation?
- Will I be able to help my loved ones financially?
- When you pass away, will your family be financially secure?
- How do I transfer my wealth to my family?
- If you become disabled, will you have enough income to manage until you are well again?
- Is your investment strategy consistent with your financial goals?
Financial planning is an ongoing process, one which requires time to develop and implement but also one that needs to be updated as your situation changes and evolves. The process includes:
We work with you to deliver objective, personal financial planning, including planning for retirement. Working with your other advisors including your financial, tax and legal advisors, we develop a plan that takes a holistic approach to your plan; we help you articulate your financial goals and establish a plan to achieve them, given your current and future resources.
Effective estate planning preserves your wealth for your family and arranges for its orderly and tax-efficient transfer to your heirs. It can involve wills, powers of attorney, trusts and estate, charitable giving, family dynamics and estate equalization. Our experts will work with you to create an innovative and customized estate plan, based on your needs and objectives that will form part of a complete and seamless wealth management strategy.
A successful investment strategy begins with understanding your goals and developing and asset allocation strategy to help you reach those goals. Using your financial plan we develop a investment portfolio which is customized to keep you on track and to help you realize your objectives.
Our Philanthropic Services professionals will help you make charitable donations that get at the root causes of problems so that you maximize the impact of your giving, find the most tax-efficient way of supporting your favourite causes, and reap the fulfillment that comes with effective philanthropy.
Business Advisory Services
Many business owners save for their future both professionally and for retirement inside their corporations. Our business advisory services will work with your legal and tax advisory’s to navigating the complexities of this system and develop a cohesive plan for harnessing and extracting the wealth from their business today, in retirement and through you estate. Proper planning today and help ensure more of what you have worked for is available for you today and for your beneficiaries in the future.
Our Business Transition professionals have assisted hundreds of Canadian business owners in the successful hand-off of their companies, finding practical, tax-efficient solutions that contribute to business continuity and enhance business value. We work directly with you and your advisors to create a fully personalized business transition plan that is integrated with your overall wealth management strategy.
Each financial plan we create comes with an actionable list of next steps to help you reach your goals. Over the coming months and years we continue to work with you and your other advisors to implement and update your plan to continually address your changing circumstances.