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OUR SERVICES

Custom financial education and planning that matches your needs

CASHFLOW MANAGEMENT & BUDGETING

  • Review current sources of income and create a detailed break down of monthly expenses

  • Identify the amount available after paying expenses and how it can be best used to reach your goals (or provide suggestions on which expenses can be reduced to free up more room for goals)

  • Factor in one-time or recurring large expenses into your budget

  • Work together to create a revised budget as needs or goals change

RETIREMENT PLANNING

  • Understand and help establish your own personal retirement goals (i.e. what does retirement look like)

  • Determine the cost needed to achieve your retirement lifestyle and the probability of your current plan meeting these costs

  • Compare the options of retiring at different ages and what that means for your plan

  • Understanding your available government pension benefits and at what age it makes sense to apply for them

  • Determine optimal strategy for withdrawing investments in retirement to minimize tax impact and reduction of government benefits

INVESTMENT REVIEW

  • Provide education on the various forms of investments and investment vehicles available for your savings strategies.

  • Review your goals, time horizon and risk tolerance to establish which allocation would be most suitable for your investments

  • Review current investments to ensure they align with your determined goals and objectives

  • Review and explain the fee structure for your current investments

MORTGAGE & DEBT MANAGEMENT PLANNING

  • Educate home buyers on the home financing process

  • Implement a plan to save for any required downpayment

  • Review existing mortgages to determine ways of reducing interest costs and paying off sooner

  • Weighing client's options of paying off mortgage sooner versus investing 

  • Review other types of debt and create a plan to pay off sooner or consolidate to save interest costs

INSURANCE ANALYSIS& ESTATE PLANNING

  • Educate clients on the features and benefits of various insurance solutions (life insurance, critical illness insurance, disability insurance, medical insurance, etc.)

  • Review existing policies with clients to clarify features, terms and conditions

  • Understand client's situation and complete full analysis to determine if there is a need for insurance coverage

  • Ensure appropriate structuring of investments and assets to maximize wealth transfer before or upon death

PLANNING FOR SELF EMPLOYED INDIVIDUALS

  • Understand structure and operations of business

  • Review cashflow and assets/liabilities

  • Determine suitable investment options for retained earnings inside corporation

  • Evaluate appropriate compensation structure to achieve financial goals (salary vs dividends)

  • Align owner(s) business and personal financial goals to create a plan that accomplishes both

  • Ensure owner(s) and business are protected in case of unexpected death, illness or injury to key personnel

  • Assist in planning an exit strategy and business succession for owner(s)

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