We don’t take a one-size-fits-all approach to insurance and investment planning. We recognize and value that everybody’s circumstances are unique. Whether your needs are straightforward and you require a simple solution, or more complex requiring a variety of insurance and investment strategies, we will work with you – in whatever mode and environment you feel most comfortable – to tailor the right solution to fit your budget.
With investments, when structuring an investment strategy that minimizes risk and maximizes growth potential and returns, risk tolerance, asset allocation, taxation and fees all come into play. With your input and our expertise, we can approach all of these considerations carefully, to make sure your questions are answered and you thoroughly understand the critical pieces before putting your hard-earned money to work.
Who We Help
Businesses Owners and Incorporated Professionals
A holding company has been the best place for most business owners to save for retirement. This continues to be the case even after the Federal budget of 2018. Now more than ever, it is important for business owners to invest tax-efficiently. Our approach to investing for business owners is designed to:
⚪ Generate little or no taxable income prior to retirement while meeting your investment objectives
⚪ Maintain a low rate of tax on your active business income. Most business owners should not save in RRSPs, IPPs, or TFSAs, and that remains true after the 2018 Federal Budget.
⚪ Provide a tax-free or tax-efficient way to extract every dollar from your holding company during retirement.
⚪ Provide guidance for succession planning, while addressing tax issues; so if desired your family can retain ownership in your corporation.
Most business owners should not save in RRSPs, IPPs, or TFSAs, and that remains true after the 2018 Federal Budget.
However, business owners that are not eligible for the small business rate (primarily businesses that earn more than $500,000 in income) may find RRSPs or IPPs attractive.
Individuals and Families
When it comes to insurance it’s all about protection, risk management and ensuring the right coverages are in place at the right life stages. Which at times can be confusing. We can work with you to take away the guesswork and determine what’s really important in finding the most efficient and cost-effective solutions for your individual circumstances.
If your unique circumstances are integrated with your spouse or family, we can work with you and your loved ones to put together a complete strategy to address and manage your complete insurance and investment needs. Often there are many important variables – some of which perhaps you’ve never considered – we can draw to your attention, discuss and agree on to address your family’s insurance, investment and estate planning goals.
A strong financial creating a strong financial strategy is the first step to financial security. We will work together to prepare a plan that helps you:
⚪ Prepare for a secure, comfortable and tax-efficient retirement
⚪ Proactively manage and control debt, from major purchases to preparing for a child’s post-secondary education
⚪ Provide for your loved ones or heirs in the event of death, disability or critical illness
A financial plan will help put you on the path to meet your financial goals. A solid investment plan will help you grow your capital. Insurance solutions can help protect your capital and secure your family’s lifestyle in the event of a tragedy.