We are committed to helping affluent Canadians manage the complex and evolving needs of their wealth. Whether you are recently retired or have a growing business, we take a holistic approach to your overall financial well-being. Clients and their families are at the heart of everything we do, every day. We have helped clients across a range of needs and goals that include:
Pre-retirees and Retirees
Transitioning from wealth accumulation to strategic management is crucial as you enter a new phase of life. Our focus is on helping you grow, protect, and enjoy your wealth effectively. Addressing the realities of longer life expectancy, tax management, and legacy planning is paramount. We offer tailored solutions for tax efficiency and lifelong income. Trust us to assist you in planning for a secure and fulfilling retirement.
We help address several realities:
- You may live longer than expected, and maintaining your lifestyle will be challenging.
- Managing your tax bill is critical to protecting your assets over time.
- The strategies for creating a tax-efficient, life-long income are paramount.
- Your ability to leave a legacy depends on a skillfully executed plan.
We are here to listen and help you look forward to a long and comfortable retirement.
Business Owners and Entrepreneurs
We specialize in assisting business owners and entrepreneurs, regardless of their business stage. Our focus extends beyond financial statements to ensuring a comfortable lifestyle into retirement. We emphasize the importance of wealth diversification, both within and outside your business.
We specialize with:
- Succession Planning: Ensuring a deserved return on your life investment.
- Tax Optimization: Utilizing tools like holding companies, trust companies, and life insurance policies to minimize your tax liability.
- Diversified Investments: Building an investment portfolio for long-term income beyond business ownership.
As fellow business owners, we empathize with your journey and offer tailored guidance to meet your needs.
Executives
For executives navigating complex financial landscapes, securing a stable future is paramount. We understand the challenges of managing tax obligations, investment portfolios, and compensation structures. Key considerations include long-term wealth utilization, tax reduction strategies, and planning for early retirement.
We maximize your wealth by:
- Long-Term Planning: Strategizing for future wealth utilization.
- Tax Optimization: Utilizing retirement, health, and educational savings accounts to minimize tax liabilities.
- Early Retirement Planning: Addressing challenges like business travel and long hours by exploring proactive wealth planning options.
Our expertise lies in crafting tailored plans to address your wealth-related concerns and ensure you can enjoy the lifestyle you have cultivated through your successful career.
Healthcare Professionals
For busy medical professionals, managing present and future wealth amidst patient care and staying abreast of medical advancements can be challenging. The intricacies of investment decisions and wealth management can become overwhelming, especially with a growing practice.
Our focus for health care professionals:
- Wealth Management: Tailored strategies aligned with your risk tolerance for steady investment returns.
- Practical Insights: Offering investment and tax management advice relevant to your profession.
- Tax Optimization: Implementing risk management strategies such as setting up a Canadian controlled private corporation and corporate life insurance policies to minimize tax liabilities.
- Time Savings: Efficient processes and tailored financial solutions save valuable time, allowing healthcare professionals to prioritize patient care and stay focused on their medical responsibilities.
We provide guidance to navigate these complexities, ensuring your wealth management aligns with your professional commitments and financial goals.
Agriculture and Farming Families
Amidst challenges like changing government policies and global competition, accessing capital and navigating price volatility can add to the burden for businesses. However, having a reliable team to manage your wealth can alleviate these challenges, freeing you to focus on your core business operations.
Key points highlighted:
- Comprehensive Services: Our team offers expertise in investment management, tax and estate planning, business succession, and insurance structuring to simplify your financial management.
- Sector-Specific Knowledge: We understand the farming and agricultural sector, catering to a diverse range of clients, from farm owners to large agri-business companies. Some team members also bring farming backgrounds, complementing our wealth management expertise.
- Business Opportunities: We can help seize business-enhancing opportunities such as the Scientific Research and Experimental Development Tax Credit ("SR&ED").
With our support, you can effectively grow and safeguard your wealth while navigating the complexities of your industry.
Families
Our family guidance involves two primary aspects: optimizing wealth transfer for tax advantages and preparing the next generation for sudden-wealth events like inheritances.
Key points highlighted:
- Tax-Advantaged Wealth Transfer: We assist clients in finding tax-efficient strategies aligned with their current goals for passing on wealth.
- Preparing Next Generation: Educating the next generation on managing sudden-wealth events and preparing them in advance.
- Effective Communication: Strong communication fosters understanding among family members, ensuring everyone's values and goals are heard and considered.
- Customized Planning: Through comfortable conversations, we tailor investment plans to align with your financial status and future aspirations.
- Estate Planning: Crafting an estate plan detailing your desires for legacy distribution and the level of flexibility for beneficiaries.
- Ongoing Management: Our meticulous wealth management ensures family members can focus on life goals, confident in the secure handling of their wealth.
With our comprehensive approach, we empower families to navigate wealth management with confidence and focus on their life aspirations.
Women, Wealth & Well-being
Women's financial well-being is influenced by factors like longer life expectancy, early retirement, pay disparities, and caregiving responsibilities. This leads to lower earnings and investments over time compared to men. We offer personalized financial planning that addresses these challenges, considering long-term healthcare costs, changing family dynamics, and estate planning. Our focus goes beyond investment returns to provide security for women and their loved ones, today and in the future.
Whether you’re looking to grow or protect your wealth, we understand it’s not just about investment returns—real financial advice is about you and how your money can provide security in your life and the lives of those you care about, today and tomorrow.