Our services

Tax planning

• Retirement income planning
• Tax planning: Deductions, credits, deferrals
• Capital gains: Tax-efficient investment strategies
• Tax-efficient accounts: RRSP, TFSA, RESP
• Estate and gifting: Minimize estate taxes, gifting strategies
• Tax deferral: RRSP, pension splitting

Risk management

• Life insurance
• Critical illness protection
• Disability insurance
• Health plans

Financial management

• Investment strategies: Custom portfolios (mutual funds, GIC's, payout annuities)
• Asset allocation: Diversified risk management
• Cash flow management: Income and expense planning
• Retirement planning: RRSP, TFSA optimization
• Tax-efficient investing: Tax-deferral (RRSP)
• Planned reviews: Regular rebalancing, performance check

Corporate planning

Business structure support and advice: Tax-efficient entities.

Succession planning advice: Tax-efficient planning, funding.

• Key person insurance and buy sell insurance
• Corporately owned life insurance
• Corporately owned critical illness and disability protection

Retirement income planning

• Withdrawal strategy: RRSP, RRIF, TFSA withdrawals
• CPP/OAS optimization: Timing benefits, claw backs
• Income streams: Pensions, annuities, dividends
• Annuities: Guaranteed income options
• Tax-efficient withdrawals: Minimize tax impact
• Longevity: Planning for extended retirement

Estate and Financial Planning Services*

• Support with wills: Asset distribution, guardianship
• Support with trusts: Family, testamentary, inter vivos
• Support with Power of Attorney and directives: Financial, health care decisions
• Asset protection: Shield assets from creditors
• Support with estate tax: Minimize probate, tax liabilities
• Beneficiaries: RRSP, TFSA, life insurance designations