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.

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

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

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.

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.

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

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

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.

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.

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.

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

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.

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.

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.

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.

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.).

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.

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.

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

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.

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.

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.

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.

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.