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  • Comprehensive face to face meetings to determine client’s goals and objectives
  • Extensive discovery process to uncover client’s core values and desires
  • Guide clients to think about, plan and prioritize their financial goals
  • Understand clients’ financial demands and needs
  • Evaluate client’s risk tolerance
  • Investigate and determine client’s investment constraints
  • Family needs
  • Liquidity needs 
  • Time Horizon 
  • Tax concerns 
  • Legal and regulatory 
  • Unique circumstances
  • Comprehensive assessment of client’s overall financial picture 
  • Retirement Planning 
  • Retirement Income Planning 
  • Cash flow analyses and management 
  • Net worth analyses and management 
  • Asset allocation analyses and management 
  • Structured cash flow sources to minimize taxes 
  • Pension Analysis 
  • Severance Analysis 
  • RSP versus TFSA detailed analysis 
  • When to Take CPP and OAS 
  • Education Planning 
  • Short term goal planning 
  • Debt Management
  • Professional, independent and unbiased financial and investment advice based on client’s needs and objectives
  • Keeping clients on track with investment goals and objectives
  • Proactively and regularly communicate with clients via telephone, newsletters, quarterly updates and reviews.
  • Research and suggest alternatives that could help clients meet goals.
  • Behavioral finance coaching
  • Manage clients emotional state and prevent irrational investment decisions
  • Help protect clients against poor financial choice
  • Fee analysis 
  • Structured Asset Allocation 
  • Continuous portfolio review and evaluation 
  • Research the market to determine suitability of investments
  • Fundamental analyses of investment vehicles
  • Analyze economic and financial landscape
  • Confer regularly with portfolio managers, economists and other industry professionals to gain insight and keep abreast of developments
  • Investment recommendations and strategies based on client’s financial situation
  • Structure investments to maximize tax efficiency
  • Pre-trade analyses and risk disclosure associated with recommendations
  • Ongoing portfolio re-balancing and fine tuning
  • Portfolio re-positioning during major life transitions, as needed
  • Tax efficiency of investments
  • Tax deferral
  • Tax conversion
  • Passing assets through your estate
  • Income splitting
  • Inter-generational transfer

* Tax minimization strategies abide by rules set forth by the CRA and may require us to work alongside a Chartered Accountant.

  • Maximize estate value 
  • Intergenerational wealth transfer strategies 
  • Tax minimization strategies 
  • Beneficiary audit 
  • Legacy planning 
  • Will and Power of Attorney review 
  • Charitable giving 
  • Family Trusts 
  • Testamentary Trusts 
  • Estate Bond

* Some Estate Planning strategies may require the involvement of a legal professional.