We provide a wide range of wealth management, planning, investing, insurance and administrative services designed to make managing, retaining, spending and passing along your money a comfortable, understandable and convenient process.
Our mission is to guide you and your family through every major financial event in your life, whether planned or unexpected. By understanding your situation and evolving needs, we can help you plan for success, however you may define it. We can apply a clearly defined, co-ordinated savings, spending and investment strategy across the entire scope of your finances, improving your tax-efficiency and cash management.
Through the various links to the left of this page you can learn more about all that Wealth Management involves, gain insights into our Our Philosophy and understand how Our Process works. We encourage you to read through this material.
Through the links below you can discover the features of the specific products and services that we can put to work for you.
Registered Education Savings Plans (RESPs)
One of the most important savings and investment objective of many parents and grandparents is to provide funding for the new generation's college or university education. RESPs facilitate the deferral and transfer of investment income from parents, grandparents (or other interested individuals) to the student. Annual government grants make this program quite attractive.
Tax Free Savings Accounts (TFSAs)
Since 2009, resident-Canadian adults have been able to contribute $5,000 or more per year to a TFSA. All investment income earned through a Tax Free Savings Account will be tax-free. Investors have full access to their principal and the tax-free earnings it produces at all times. This program provides investors with another important investment planning tool. While the TFSA can be a useful tool for short-term savings objectives, its most productive use is as a place to house some of the most remunerative investments in your portfolio for the longer-term.
Registered Retirement Savings Plans (RRSPs)
Do you know where your RRSPs are? Do you know how much retirement income they will likely provide? With our Personal RRSP program, you will. Instead of having many RRSPs holding only one type of investment each, you can have one RRSP holding many types of investments, plus you get our professional guidance at your disposal all year long. We can arrange for your existing RRSP investments to be consolidated into your Personal RRSP as they become available to do so. We can provide you with a variety of projections which will assist you in properly focusing your retirement planning efforts. Your RRSP is your personal pension plan. It deserves the ongoing professional attention we are here to provide.
Registered Retirement Income Funds (RRIFs)
Once you have retired and need to draw on your RRSP you will likely choose to convert it to a RRIF as this is the administrative vehicle that provides you with the greatest flexibility and control over these assets. With our Personal RRSP/RRIF program, instead of having many RRIFs holding only one type of investment each, you can have one RRIF holding many types of investments, plus you get our professional guidance at your disposal all year long. We can arrange for your existing RRIF investments to be consolidated into your Personal RRIF as they become available to do so. Furthermore we can provide you with guidance on how to most effectively manage related taxation and succession issues. Your RRIF is your personal pension plan. It deserves the ongoing professional attention we are here to provide.