Financial Services
DO YOU WANT TO PROTECT WHAT MATTERS MOST?
There are a wealth of financial services and products in the marketplace but only a few that are just right for you.
After meeting to discuss your needs, we have the knowledge and depth of experience to filter the many options to those best suited to your unique situation. We are dedicated to ensuring you grow your net worth, protect your assets from risk, and become a more informed consumer of financial services.
Individual Couple Family
Do You Want to Protect What Matters Most?
While we hope for the best, good sense demands that we plan for the worst. Insurance is a useful tool in providing a large sum at a critical time for a payment that can be easily budgeted. The right sized insurance policy will deliver tax-free cash exactly when it is needed most to protect families from undue hardship.
- Life Insurance
- Disability, Critical illness, Long-Term Care insurance
- Health and Dental insurance
Grow Your Assets
Structures such as TFSAs, RSPs, RESPs, Non-Registered Accounts, Savings accounts, and insurance policies will be properly selected, structured and funded where appropriate.
Multiple products can be used:
- High-interest savings accounts-24/7 online access-connected to your existing account(s)
- GICs
- Segregated funds
- Whole Life Contracts
- Universal Life Contracts
- By referral: Stocks, Bonds, ETFs, Mutual Funds, Flow-Through Shares
- By referral: Revenue Property
Plan and Manage
Your custom plan will be designed to ensure your goals are realistic and the steps to reach those goals clearly defined.The focus can include debt management, accumulation, retirement, estate planning or all of these.
Planning involves:
- Data Collection, Needs Analysis, Goal Setting, Plan Design, Implementation, Monitoring
- Planning Pyramid
- What is the Point of Financial Planning?
Business Owner
Growing Assets
Deposit Agent for Corporate owned
- High Interest Corporate Savings Account
- 24/7 online that connects instantly to your existing corporate account(s)
- GICs
- Segregated funds
Independent Pension Plans (Super-sized RSPs) for higher retirement income
Group Retirement Plans
Group Health, Dental and Travel Insurance
‘TFSA’ –tax-shelter Corporation’s Surplus and Retained Earnings
- Whole Life Contract
- Universal Life Contracts
By referral: Stocks, Bonds, ETFs, Mutual Funds, Flow-Through Shares
By referral: Revenue Property
Protect
Keyman Life Insurance and Disability Insurance Protection
‘Corporate TFSA’
- Tax-shelter Corporation’s Surplus and Retained Earnings
- Generate tax-free cash exactly when needed most
- Create a Capital Dividends Account Credit to extract tax free dividend
- Whole Life Contracts
- Universal Life Contracts
Buy-Sell Advice, Templates and Planning
Business Succession
Health and Welfare Trust
Self-Insure Health Benefits making them 100% Tax-Deductible