We know that in addition to building successful investment portfolios, investment management is the crux of wealth management, and we also believe that a financial strategy and an estate plan is essential to growing your wealth in accordance with your values and objectives. That’s why we offer unparalleled, comprehensive wealth management services.
Customized Portfolio
- Establishment of goals and required rate of return
- Allocation of investments between fixed-income securities and equities, based on goals
- Tax-efficient investments
- Transparency – our fees are based on a percentage of the investments we administer
- Customized performance review
Retirement Planning
- Analysis of retirement needs and goals
- Detailed cash flow projections
- Optimization of disbursement in retirement
- Establishment of asset disbursement order
- Determination of cost of desired lifestyle
Risk Management
- Assets with negative market correlation
- Portfolio diversification
- All-weather portfolio
- Capital conservation in case of a market downturn
- Low-volatility portfolio
Tax Strategies
- Tax-efficient investments
- Income distributions
- Best investment for account type
- Intergenerational transfer
- Reduced tax-induced yield erosion
* Tax minimization strategies comply with the rules set by the CRA and may require the involvement of a chartered accountant.
Estate Planning
- Wills, protection mandates and trusts
- Maximization of bequests
- Intergenerational transfer
- Estate bond
- Bequest planning techniques
- Charitable giving
- Reduction of related costs
* Some estate planning strategies may require the intervention of a lawyer and a notary.
Businesses
- Investment and asset management
- Business income tax efficiency
- Fringe benefits, group RRSP
- Financing for a transition period due to the death or prolonged illness of a key employee
- Financing for the buy-sell clause of a shareholder agreement
- Business deficit coverage for a period of disability