WEALTH MANAGEMENT
Accumulate. Protect. Transition
What matters most to you
We focus our attention on helping you Accumulate, Protect and Transition your wealth.
This process begins with a thorough analysis of your current situation and understanding your future goals. We then create an APT (Accumulation, Protection and Transition) report that helps us strategical place your assets in the right areas to ensure your goals are met in both the short and long term.
Finally, we meet on an ongoing basis to ascertain that the report is up-to-date and that you are meeting your goals.
%
of Canadians DO NOT own any life insurance
%
of family farms DO NOT have a succession plan
%
of Canadians surveyed are counting on lottery winnings to fund their retirement
%
of Canadians are stressed either about money or personal health
Our Services
Business Owners and Executives
Farmers
Retirees
Families
BUSINESS OWNERS & EXECUTIVES
FARMERS
RETIREES
FAMILIES
Business Owners & Executives
For many business owners their business alone, is their wealth plan and assets are typically tied up in operations. As the business grows and becomes more profitable, there are many strategies to consider that provide tax savings and potential creditor protection. Our unique affiliation with different preferred Private Wealth Platforms gives our clients access to high-net-worth advice to ensure their investment strategies can adapt to their changing needs.
Planning options we offer:
- RRSP’s, TFSA’s, RESP’s, RDSP’s
- Corporate investments that credit the CDA
- Individual Pension Plans (IPP’s)
- Retirement Compensation Arrangements (RCA’s)
- Permanent Life Insurance Policies
- Private Wealth Platforms
- ETF’s
- Segregated Funds
Don’t leave protecting what you’ve built to chance. Whether it is you, another shareholder, a key employee, or an executive, insuring their value to the business is paramount. Shareholder agreements, company valuations, and debt obligations should be reviewed regularly and funded accordingly through some or all the methods below to safeguard your business from requiring to liquidate assets at an inopportune time.
Planning options we offer:
- Life Insurance (Term, Universal Life, Whole Life)
- Critical Illness Insurance
- Disability Insurance
- Disability buyout Insurance
You’ve built your business and likely overcome challenges along the way. This phase is all about developing strategies to help you optimize that your hard work pays off in the most tax-efficient way possible. Whether a sale to a 3rd party or a transition down to the next generation, our process aims to maximize all the tax strategies available, so more of your assets flow directly to you and your family. Should the departure be by way of health, or at worst, death, we will assure your family is still looked after financially.
Planning steps to consider:
- Updated wills, and informed executors and family directives
- Trusts
- Life insured known tax liabilities and debts
- Charitable giving and philanthropic planning
- Updated Wealth Transition Toolkit
Family Farm and Succession Planning
Many farms have been in the family for 3 sometimes 4 generations spanning several decades. In that time, the values of the land, the equipment and the business operations have grown significantly in value. Ownership of the farms has been slowly shifting towards family corporations; however, many are still sole proprietorships and partnerships. These different models create the need for different accumulation strategies for tax planning purposes. Our unique affiliation with different preferred Private Wealth Platforms gives our clients access to high-net-worth advice to ensure their investment strategies can adapt to their changing needs.
Planning options we offer:
- RRSP’s, RRIF’s, TFSA’s, Non-registered investments
- Corporate Investment Accounts
- Individual Pension Plans (IPP’s)
- Permanent Life Insurance
- Trust Accounts
- Private Wealth Platforms
- ETF’s
- Segregated Funds
Farmers often rely on insurance for their crops and livestock, however, often overlook insuring those that run the operation. For many farmers, most of their capital is tied up in fixed assets like land and machinery. A death or an illness can make debts hard to repay, derail succession plans and erode estates with tax liabilities. Insuring key members of the farming operation should something untimely occur, avoiding the possibility of decades of hard work being erased. Not only does insurance provide a tax-free solution to the farm operation, it is also a valuable tool in equalizing the farmers estate.
Planning options we offer:
- Life Insurance (Term, Universal Life, Whole Life)
- Critical Illness Insurance
- Disability Insurance
With farm valuations increasing due to increased land and equipment costs, creating an equalized estate can be tough. Having a detailed succession plan will guarantee the family dynamic remains strong leadiging up to or after death. It is not uncommon for family members, who were previously not involved in the farm’s operations, to prefer to sell off their portion of the inherited farming business. In the insantaces where the deceased farmer was not properly insured, selling off assets to buy out the shares that are being sold can leave the farm in a challenging financial situation. Utilizing insurance to create equalization and having conversations with the family prior to major life events can go a long way to make this as seamless as possible.
Planning steps to consider:
- Updated wills, and informed executors and family directives
- Trusts
- Life insured known tax liabilities and debts
- Charitable giving and philanthropic planning
- Updated Wealth Transition Toolkit
Retirees
In retirement you are faced with one of two problems: a money problem or a tax problem. Many of our clients are faced with tax problems, however we can create solutions. Even though this stage provides income to the retiree, a well-diversified investment account should continue to grow, based on your risk tolerance and income needs. Our unique affiliation with different preferred Private Wealth Platforms gives our clients access to high-net-worth advice to ensure their investment strategies can adapt to their changing needs.
Planning options we offer:
- RRSP’s, RRIF’s, LIRA’s LIF’s, TFSA’s, Non-registered investments
- Trust accounts
- Permanent Life Insurance Policies
- Private Wealth Platforms
- ETF’s
- Segregated Funds
Over the course of their lives, many of our clients have accumulated assets via the sale of a business, a strong savings strategy, company pension, and even an inheritance. The key now is to not lose what they’ve worked so hard to create. We have control over our decisions and how we choose to invest, but we can’t always control our health. With proper planning and account utilization there are many strategies we can implement to replace your income, protect your assets from tax erosion and guarantee efficient transfer of those assets as per your wishes.
Planning options we offer:
- Life insurance (Term, Universal Life, Whole Life)
- Critical illness Insurance
- Long Term Care Insurance
- Segregated funds for beneficiary designations and guarantees
You’ve created wealth, and whether you are transitioning into retirement or starting to plan for passing on for generations to come, maintaining control of how those assets are handled is a priority. Our wealth transition process designs your plan according to your wishes, eliminating any unnecessary tax or unpredicatble challenges along the way. Here are some of the considerations in this phase:
Planning steps to consider:
- Updated wills, and informed executors and family directives
- Trusts
- Life insured known tax liabilities and debts
- Charitable giving and philanthropic planning
- Updated Wealth Transition Toolkit
Families
Determining how much money you need to achieve your lifestyle and retirement goals is one of the most difficult processes to tackle, let alone navigating the investment options and strategies. Our process will create clarity, eliminating guesswork and provide peace of mind in achieving your goals. Our unique affiliation with different preferred Private Wealth Platforms gives our clients access to high-net-worth advice to ensure their investment strategies can adapt to their changing needs.
Planning options we offer:
- RRSP’s, TFSA’s, LIRA’s, RESP’s, RDSP’s
- Non-registered investment accounts
- Trust accounts
- Permanent Life Insurance Policies
- Private Wealth Platforms
- ETF’s
- Segregated Funds
A critical aspect of wealth management is protecting against unforeseen events and risks that could have a direct impact on your goals and the overall success of your wealth management plan. Whether it’s a change in health that affects your ability to work or an unexpected death, being properly insured according to your needs and debt obligations will ease the burden on your family. Our process ensures you and your family are properly covered.
Planning options we offer:
- Life insurance (Term, Universal Life, Whole Life)
- Critical illness Insurance
- Disability Insurance
You’ve created wealth, and whether you are transitioning into retirement or starting to plan for passing on for generations to come, maintaining control of how those assets are handled is a priority. Our wealth transition process designs your plan according to your wishes, eliminating any unnecessary tax or unpredictable challenges along the way.
Planning steps to consider:
- Updated wills, and informed executors and family directives
- Trusts
- Life insured known tax liabilities and debts
- Charitable giving and philanthropic planning
- Updated Wealth Transition Toolkit