Protected Investments
Markets don’t always go up. Having some investments that are designed to do well in flat markets or protect your capital in down markets can improve any investors returns over a market cycle.
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Clawback Reduction
Don’t let the taxable income from investments result in the clawing back of your income or social benefits. Even if you are in a long term care facility, we can structure your investments so tax on your growth is deferred and the cash flow you receive is not taxable.
Tax-Managed Corporate Investing
Business Owners, it is 2018 or later. Tax-Managed Investing can put you hundreds of thousands or even $1,000,000 ahead without winning the lottery. And unless your annual savings are less than about $600,000/year, you probably still don’t need an IPP.
Bond Replacement Strategy
Replacing the fixed income portion of your portfolio with life insurance can provide better returns and defer tax for decades.
Insured Retirement Program
Grow your wealth tax-free and fund your retirement with tax-free cash flow.
Corporate Insured Retirement Program
Grow your wealth tax-free and fund your retirement with tax-free cash flow. You never pay tax to remove money from your corporation.
Estate Bonds – Estate Transfer Using Whole Life Insurance
Purchasing whole life insurance for children and grandchildren can be a powerful and tax-efficient strategy for transferring wealth from grandparents and parents to children. We can discuss your family circumstances and estate planning wishes and design a plan that’s right for you.
Be Your Own Banker/Cash Flow Banking
A comprehensive insurance, investment, savings, growth and financing strategy using the ongoing cash value of a whole life policy to provide tax-efficient working capital and a loan facility to realize your financial goals.
Borrowing to Invest
Build wealth and create tax deductions. Just like buying a home, buying the portfolio you need at retirement now with borrowed money may be less risky than buying it when you can afford it. Also known as Life Cycle Investing.
The “Smith Maneuver” ™
Make your mortgage payments tax-deductible while borrowing to invest – let us show you how!