We know that in addition to building successful investment portfolios, investment management is the crux of wealth management, and we also believe that financial strategies and estate planning is essential to growing your wealth in accordance with your values and objectives. That’s why we offer unparalleled, comprehensive wealth management services.
Customized Portfolio
- Establishment of goals and required rate of return
- Allocation of investments between fixed-income securities and equities, based on goals
- Tax-efficient investments
- Transparency – our fees are based on a percentage of the investments we administer
- Customized performance review
Retirement Planning
- Analysis of retirement needs and goals
- Detailed cash flow projections
- Optimization of disbursement in retirement
- Establishment of asset disbursement order
- Determination of cost of desired lifestyle
Risk Management
- Assets with negative market correlation
- Portfolio diversification
- All-weather portfolio
- Capital conservation in case of a market downturn
- Low-volatility portfolio
Tax Strategies
- Tax-efficient investments
- Income distributions
- Best investment for account type
- Intergenerational transfer
- Reduced tax-induced yield erosion
* Tax minimization strategies comply with the rules set by the CRA and may require the involvement of a chartered accountant.
Estate Planning
- Wills, protection mandates and trusts
- Maximization of bequests
- Intergenerational transfer
- Estate bond
- Bequest planning techniques
- Charitable giving
- Reduction of related costs
* Some estate planning strategies may require the intervention of a lawyer and a notary.
Businesses
- Investment and asset management
- Business income tax efficiency
- Fringe benefits, group RRSP
- Financing for a transition period due to the death or prolonged illness of a key employee
- Financing for the buy-sell clause of a shareholder agreement
- Business deficit coverage for a period of disability
