Understanding that each individual is unique, we go through a planning process to understand you, your investment personality, your current financial situation and goals and needs and provide recommendations and ongoing investment analysis reviews to ensure your plan is on track through the various stages to meet your goals.

Income-Earning Stages

Whether you’re looking to reduce debt, save for a large purchase such as a new home, plan for your children’s’ education or for your retirement, we can help you with during your income earning years through various ways to reduce the taxes you pay now and strategize for tax efficiencies at retirement. 

Retirement Stages

Life expectancy is increasing, but so are the expenses required to maintain a comfortable and meaningful retirement.  Ensuring that your money will last long enough to support your retirement has become a planning priority.  Our investment planning services integrate government benefits, group plans and other income and investment assets within a plan to make your money last longer.

Wealth Distribution/Transfer

We help create your estate plan with various strategies and products available to assist your loved ones &/or executor in ensuring your assets are distributed as you intended in the most tax-efficient manner.

Products used within our planning strategies:

Non-Registered Savings / Investment Accounts

Tax Free Savings Accounts (TFSA)

Registered Education Savings Plans (RESP)

Registered Retirement Savings Plans (RRSP)

Locked-In Retirement Plans (LIRA)

Individual Pension Plans (IPP)

Registered Retirement Income Funds (RRIF)

Prescribed Retirement Income Funds (PRIF)

Life Income Funds (LIF)

Locked-In Retirement Income Funds (LRIF)