New technology will never replace old-fashioned service

Our approach is like a well-balanced workout regimen. With over twenty years of service and thousands of satisfied Clients, our team of advisors and support staff become your financial training partners. Together, we sculpt a financial plan that aligns with your aspirations.

We go beyond just sitting down and getting to know you. We learn what you really want and what complex challenges you face. Like a skilled trainer, we transform complex obstacles into straightforward, actionable choices. We do our best to understand you and shape a plan that ensures your financial fitness for the long run.

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Investment strategies

  • Creating portfolios within Client risk profile
  • Helping Clients select investments and an investment strategy that align with the written plan
  • Providing due diligence on investment and manager selection
  • Monitoring performance
  • Incorporating guaranteed income
  • Striving for tax-efficient
  • investing and income

Asset management

  • Deciding which assets to use and which to defer
  • Funding TSFA accounts
  • Developing an exit strategy for registered accounts
  • Strategically moving corporate capital to personal accounts
  • Delivering a survivor friendly and estate friendly outcome
  • Monitoring the amount of withdrawals and the rate of withdrawals
  • Identifying opportunities to make locked-in accounts more flexible
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A man and woman discussing together at office

Income management  

  • Tailoring income streams for Client(s)
  • Focusing on short – and long term – tax efficiency
  • Being vigilant on net income figure
  • Engaging all of the actions in layering income
  • Providing specific direction on and integration of other income streams (OAS, CPP, pensions, etc.)
  • Revisiting income needs and income strategy on a year-to-year basis

Risk management

  • Investment risk
  • Longevity risk
  • Inflation risk
  • Encroachment risk
  • Withdrawal risk
  • Taxation risk
  • Health cost risk
  • Premature death risk
  • Critical illness risk
  • Disability risk
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Tools and calculators

Make planning for your financial future and retirement easier with some of our tools and calculators.