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Services to help you navigate through the peaks and valleys of life

Overview

We strive to provide each of our clients with a tailor made financial plan. This plan represents the blueprint for managing investments, expenses and life's major events or transitions. This blueprint helps to provide direction and guide proactive conversations to prepare our clients before any issues arise. Over the years, we have found ourselves specializing in a few key areas:


Financial Planning

Financial Planning is the basis for our practice. Every client can come away with a quality financial plan. What does quality mean?

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Retirement Planning

Retirement is a major transition for everyone and is the primary reason that people save money. The government established Tax-Free Savings Accounts (TFSA) and Registered Retirement Savings Plan (RRSP) are designed to help Canadians prepare and thrive in their retirement. It is our belief that leveraging these investment vehicles, amongst others, to their fullest advantage, is of upmost importance to retire comfortably.

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Estate Planning

Estate planning is one of the few planning activities that is really designed for those you love and those you will leave behind.  Its all about your Legacy. While insurance plays a significant role in ensuring your family is not burdened with costs and taxes, there are ways to help your loved ones that doesn't involve money.

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Insurance Planning

What happens if your best laid plans don't unfold the way you envisioned? Even with proactive planning, sometimes events can happen that you didn't see coming. Such events can dramatically impact your lifestyle, your retirement dreams, and even your ability to take care of life's most fundamental activities. In order to ensure that you and your family will not suffer financially if such an event occurs, we factor insurance and risk mitigation into our planning process.

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Tax Planning

Canadians understand that tax is a function of government. While we believe its necessary for all Canadians to pay their fair share, we don't want clients to pay more than they have to. Tax considerations and efficiency form a major part of the work we do for our clients. As with all tax-related decisions, we recommend clients always discuss strategies with their accountant.

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Debt Management

Debt can cause stress, regardless of who you may owe or what the money was used for. While we do not deal directly with mortgages and debt, we have discussions with our clients on how debt can be managed and how it can fit into your long-term financial plan. Understanding the difference between good and bad debt is critical in ensuring your financial obligations do not overtake your ability to enjoy life.

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Severance Packages

As economic cycles materialize, companies adjust. This can of course effect individual's employment status and result in job cuts and lay-offs. We are here to help. We have extensive experience in helping clients ensure their severance packages help carry them until they find a new job, helping client's make decisions regarding their pension plans and savings while creating a plan to help provide comfort during a very difficult time. 

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Small Business/Corporations

If you own or run a business you may be considering starting a private or professional corporation to house active or passive income. When established and set up correctly, this can be a great strategy to help deal with some of the tax burden you may be facing. We have extensive experience and a passion for helping business owners and corporations make the most of their unique tax and legal structures.

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We provide a superior level of service to each of our clients. In order to ensure that we are meeting the ever-changing needs of our clients, we are constantly reviewing our service offering and will expand that offering as required. If there is a product, service or concept you would like to know more about, please do not hesitate to contact us. Reach us at (403) 220-9808 or send us an email to book a free consultation.

403.220.9808