A financial security plan tailored to your needs

We work with our clients to develop a detailed financial plan that prepares them for their future and gives them a clear path to achieving their financial goals. Our planning process considers all elements of a clients finances to give them the confidence to make life's important financial decisions. Connect with us to get started on your financial security plan!

 

Investment Savings Planning

- Retirement

- Your children's education

- A financial emergency

- Down payment for a home

The above are a few examples of savings goals that we help our clients plan for. We work with our clients to determine if investing for their savings goals is appropriate and if so, help guide them on investment options. Examples of investment savings accounts we can use to help achieve these goals are RRSP's, TFSA's, RDSP's, RESP's, LIRA's and Non-Registered (OPEN) plans. 

Investment Spending Planning

Retirement income planning is a critical phase of every persons life. We create a retirement income plan for our clients that considers their government retirement benefits (CPP & OAS) with their personal savings and/or workplace pension so that they can live comfortably in retirement. Should I commute my pension or take the lifetime income payment? When should I begin receiving CPP & OAS benefits? Which buckets should I draw from and in which order to ensure I am being efficient with my retirement income? These are all examples of decisions we can guide our clients on as part of their retirement income plan. RRIF's, LIF's, TFSA's and Non-registered (OPEN) plans are commonly used personal investment accounts that can be drawn on in retirement.

 

Risk Management Planning

- Critical illlness insurance

- Life insurance

- Long-term disability insurance

- Individual health and dental insurance

Our greatest passion is for helping clients grow their wealth so that they can better their future for themselves and their families. Unfortunately, these plans can be derailed by an untimely death, injury, illness or personal medical expenses. Contingency planning for life's "curve balls" is a responsible component of your financial security plan. We help ensure clients are prepared no matter what life throws at them so that they can achieve their financial goals. 

Estate Planning

Most of us are not going to spend every asset we have during our lifetime and therefore will leave an estate. Estate planning is an important part of your financial plan so that your assets pass on to whom you want to and how you want to in as efficient a manner as possible. A common misconception is that estate planning is only important near end of life. Planning for your estate early in life can give you more options to ensure your objectives are met. Although conversations around death can be uncomfortable, planning for your estate is a responsible piece of your financial plan. Some considerations are:

- Final expenses

- Estate bequests

- Charitable donations

- Probate & taxes

Mortgage Planning

Whether you are buying a home or refinancing to help free up money, there's a mortgage designed to meet your needs. We will work together with a mortgage professional to find the mortgage that fits best with your financial plan.