Our Practice Areas

We offer a wide variety of holistic financial planning services.

The financial planning process is a series of steps that we follow to develop and implement strategies to assist you in managing your financial affairs to meet your goals.

Step 1: Identify your goals, needs and priorities

Step 2: Gather pertinent information regarding you, your family and/or your business. This may be quantitative and qualitative information to help guide us present the appropriate recommendations.

Step 3: Assess your current financial situation

Step 4: Identify and evaluate the appropriate financial planning strategies to achieve your goals.

Step 5: Develop the financial planning recommendations; prioritize recommendations based on your goals and aim to optimize your financial position.

Step 6: Compile and present the recommendations and supporting rationale in order for you to make an informed decision.

Step 7: Discuss implementation action, responsibilities and time frames based on personal goals, needs and priorities

Step 8: Implement the recommendations and review  

Investment Planning

Focus on your assets and how best to manage them according to your investment risk tolerance and objectives.

Insurance and Risk Management

We focus on strategies designed to manage your exposure to unexpected financial loss due to death, disability, health issues and other risks.

Tax Planning

We focus on your current and future income tax obligations and the use of available strategies to minimize or defer taxation. Tax planning strategies are designed to help strengthen your financial position, allowing you a better opportunity to meet your financial goals. To ensure you and your family are managing taxes effectively, we look at such tax-deferral vehicles as Registered Retired Savings Plans (RRSPs), Registered Education Savings Plans (RESP), Tax-Free Savings Accounts (TFSAs) to maximize tax-free investment growth, life insurance and annuities, income-splitting through family trusts, prescribed rate loans, and spousal RRSPs.

Retirement Planning

We focus on your financial well-being after regular employment has stopped. It involves a comparison of the client’s expected lifestyle in retirement to projected retirement income streams and assets. Retirement savings must be regularly monitored, as circumstances change over time.

Estate Planning

This aspect focuses on the distribution of assets upon death. We discuss estate planning objectives with you, project your net worth at death, determine any constraints or opportunities to achieve your objectives and develop strategies and recommendations to help meet them.

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