Retirement Planning & Investment Management

Creating Peace of Mind through a Disciplined Planning Approach

RRSP’s, TFSA’s, RESP’s RDSP’s Non-Registered, Corporate Investments, Life Insurance – When it comes to investing your money, there are many investment vehicles, asset classes and product choices all with different advantages and disadvantages. Some work for some clients and for others they are irrelevant. We live in the information world, but it is no wonder busy, successful and wealthy individuals and businesses still want advice from a partner they can trust when it comes to their financial well-being. Contact us today to see if we can you guide you on your financial journey.

Investment Management

Develop a personal investment roadmap that identifies your target asset allocation, investment objectives and the steps needed to implement the strategy. The focus of your roadmap creation is centered around your goals, your risk tolerance/comfort level and time horizon, with an emphasis on wealth preservation.

Private Investment Councelor (PIC)

For certain client situations, it makes sense to work with a Private Investment Councelor to manage your portfolio. We have established relationships with some of Canada’s most recognizable PIC’s. These PIC’s work with some of the Highest Net Worth individuals and the biggest foundations in Canada. Please contact us for more information.

Retirement Planning

Medical advancements are consistently increasing our life expectancy and we are living longer than ever before. While this is great news, it does create some issues for retirement planning. Most people are worried about outliving their money and in time longer life expectancy will lead to more medical bills. You have worked hard your whole life to enjoy the lifestyle you are accustomed to. Planning today can help ensure you maintain that lifestyle, get the medical care you deserve and don’t outlive your money in retirement. The earlier you start this planning the planning, the more options you will have. We can help you identify changes you need to make in your current behaviour that will allow you to achieve your personal retirement goals and objectives. Contact us today to get started.

Life Insurance as an Alternative to Fixed Income Investments

Most people know how life insurance can be used to replace income and pay off debts or leave a legacy. High Net Worth investors who have corporate or personal non-registered investments have been utilizing permanent life insurance as an asset class for many years. It typically allows for better than fixed income returns, with less volatility and tax-deferred growth. Your typical fixed income investments such as GIC’s and bonds are taxed at your top marginal tax rate. Your life insurance cash values accumulate tax deferred inside of the policy within predetermined limits. This is especially attractive for investors with a holding company where they are forced to pay over 50% tax on fixed income interest.