Our Services
What we do
Our unified strategy combines advanced financial planning and customized portfolio management with over 50 years experience to achieve your financial goals.
We help our clients by creating & implementing financial and retirement plans. Do you have a plan for your future?
How we do it
Our 6-step financial planning process was created to help you improve your financial position over time. Through this approach, we can help you create a plan that:
Answers your financial questions and concerns
Offers clear, actionable solutions to reduce your tax bill
Reduces your debt & improves your cash flow
Creates investment portfolios to match your goals and risk tolerance
Protects your family and loved ones
Gives clear action steps towards creating the financial security and freedom you desire
Provides clear action steps for implementing your plan
Grows, adapts and is accountable to you.
Your Financial Plan
We strongly believe that everyone should have a financial plan. Whether you are starting out in your career, looking to grow your net wealth or starting to think about retirement, having a plan for your finances & working with a trusted advisor will help you achieve your goals & grow your net worth.
With a financial plan, we help you answer questions such as:
Am I currently saving enough?
Am I invested in the right portfolios given my goals, time-frame and risk tolerance?
How should I be allocating my savings & contributions between RESPs, TFSAs, RRSPs, life insurance, work plans & pensions?
How can I improve my cash flow position & reduce my debts?
How can I reduce the amount of taxes I pay?
Do I have an adequate life insurance coverage to protect myself and my family?
Your Retirement Plan
You have many income choices available to you at retirement. Each of these options must be evaluated to ensure that you receive the most consistent, tax-efficient income in retirement.
We specialize in planning and executing tax-efficient transitions for your investments.
By helping you answers questions such as :
Am I currently saving enough to retire comfortably?
How long will my money last in retirement?
How much can I spend so I won’t run out of money during retirement?
What happens if the market drops significantly within my first few retirement years?
How much can I pass onto my children when I pass?
Which of my assets should I be spending first?
When should I start taking my government benefits (CPP, OAS)?
Do I have an adequate life insurance coverage to protect myself and my family?
We can help you achieve piece of mind so you can enjoy the retirement you’ve worked hard to achieve.
“No hidden fees, just sound advice and a plan to build a strong financial future.”
Our fee structure
We are a fee-based practice and value transparency with regards to fees. Having a clear and established fee schedule means you know how we are compensated and how much you pay for our services. Our fees are tiered and reduced as your assets grow.
They include comprehensive 6 step financial plan with annual reviews, portfolio analysis and review, and ongoing wealth management. We also have a special fee reduction for the newly retired.