Wealth Management is a comprehensive advisory discipline encompassing a variety of planning exercises, investment portfolio management and insurance considerations. It requires a careful examination and understanding of a client's personal and financial situation, short-, medium- and long-term life objectives and financial comfort zones. Our wealth management service encompasses and aims to optimize all of the following, tailored to the unique circumstances of you and your family. Click on any of the topics below to learn more on those subjects.
Different types of investment income are taxed differently. The proper utilization of a variety of administrative structures can greatly enhance the after-tax retention of investment income. We look to utilize a wide range of tools to facilitate the minimization of taxes on both investment and non-investment income. They include the effective use of Registered Retirement Savings Plans (RRSPs), Registered Retirement Income Funds (RRIFs), registered and non-registered annuities, Tax Free Savings Accounts (TFSAs), Registered Education Savings Plans (RESPs), certain tax-shelter investment vehicles and investment structures offered by insurance companies. We endeavour to see to it that the difference in taxation between dividends, interest and capital gains is exploited to your optimum advantage both in terms of security selection and in which part of your portfolio certain securities are held. Additionally we make a point to continually educate our clients on ways to legitimately minimize their income taxes both through ongoing discussions and our Taxing Times newsletter.