Comprehensive Financial Planning Includes the following:

Tax Planning

Identify ways to increase tax-efficiency within your financial ecosystem. Taking advantages of tax-deductions, tax-credits and optional asset location of your assets.

Estate Planning

Plan for the protection of your family and distribution of assets by reviewing your investment accounts, beneficiary designations, wills, trusts and appointed power of attorney.

Risk Management

Examine various risk mitigation tools like life, disability, health, critical illness and long-term care.

Education Planning

Calculate and plan for education.

Retirement Planning

Create a Customized plan for maximizing tax efficiency in both accumulating and distributing your wealth. Understand the roles of complex government programs like CPP and OAS.

Investment Management

Consider factors such as asset allocation, risk and return, costs, costs, risk capacity, risk tolerance and the time horizon for your savings objectives.

Cash Flow and Debt Management

Examine various risk mitigation tools like life, disability, health, critical illness and long-term care.