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Tailored Estate Solutions
Financial Planning
Many people will offer you advice on which investments to buy. But there's more to your financial life than your RRSP.
Estate taxes, income taxes and education funds for your children are just some of the other complex aspects of your total financial picture.
Retirement Planning
For most Canadians, retirement is a major financial goal that requires considerable financial commitment.
Whether you have already established a Retirement Savings Plan or are just beginning, it is never too late to begin saving.
Estate Planning
Many people assume that estate planning is only for the wealthy.
So, it must come as a shock to the families of all the Canadians who die every year without a will when the province takes control of the estate to decide how the assets are to be distributed.
Tax Planning
Taxes are a fact of life. They affect every Canadian in most aspects of their lives.
Whether it's earning an income, making a purchase, owning real property, investing, running a business, or transferring your estate, life is full of taxable consequences that, if left unchecked, could consume an ever increasing amount of one's livelihood.
Portfolio Analysis
Careful portfolio analysis is necessary to ensure that you have the correct asset allocation according to your objectives and risk tolerance.
Long term investment returns are always directly determined by the types of assets held in an investor’s portfolio.
Insurance Analysis
Proper analysis is vital to ensure that you aren't paying too much for insurance and that you have the correct type of insurance for your needs.
The decision to buy insurance to protect against a certain risk is usually based on some determination that there aren't sufficient personal resources to cover the resulting financial loss.
Latest Articles
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Strategic or Target-Based Planning
Financial success methodologies have evolved over the past 30 years with the advent of increasing computational power. Originally, planning was a simple spreadsheet projection of your current situation, plus some assumptions, such as savings rates...
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Role Reversal - The New Reality
Our parents raised us; we moved out, had children of our own and raised them. Then our children moved out and had children of their own to raise. It was supposed to stop there for us, but then one day we had to look after one or both of our parents.
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Beware of These Scams Aimed At Seniors
According to the Canadian Anti-Fraud Centre1, in 2023 there were over 62,000 reported fraud victims. Seniors in Canada are getting bilked out of more than $500 million every year. It is estimated that as many as one in five seniors have lost money to...
