FAMILY AND INDIVIDUALS
Whether it's saving for your first home or retirement, we help you figure out what it takes to achieve your goals. We do this by structuring your investments in a tax efficient manner taking into account your risk tolerance, time horizon and realistic cash flow. We create custom solutions utilizing tax free savings account (TFSA), registered retirement savings plans (RRSP) and non-registered assets to reach these goals.
Life is unpredictable and there are situations that can affect your cash flow. We incorporate insurance solutions to protect and safeguard your income. Life, Disability and Critical Illness Insurance can be used effectively to keep your financial plan on track and decrease financial stress at times when you need it most.
WEATLH ACCUMULATON – How to access retained earning
Many clients we take on, own private businesses with owners that have worked hard over many years to build these enterprises. Typically, entrepreneurs want their companies to continue once they decide to retire, or if they pass away. We consider all the factors in order to ensure business succession is structured in such a way that provides the most tax and cost effective solutions; contributing to a confident transition of your business.
Mitigating risk is our focus. Oftentimes business owners aren’t aware of improperly formulated shareholder resolutions. Simple enticing instruments, such as a retention bonus, can be implemented quite easily to maintain key employees, is another example as part of our planning initiative we look into all areas to ensure the company is not at risk.