Investment & Asset Management

• Goal setting and Required Rate of Return
• Asset allocation based on personal goals and objectives
• Ensuring investment selection is inline with goals & risk tolerance
• Tax efficiency of Investments
• Fee Analysis
• Continuous Monitoring and goal checks
• Options Strategies 

Retirement Planning

• Retirement Income Projection and Analysis  
• Pension Analysis
• Goal Setting
• CPP and OAS Analysis
• Tax Efficiency 

Tax Minimization Strategies

• Tax efficiency of investments
• Tax deferral
• Income Splitting
• TFSAs 
• Passing assets through your estate
• Intergenerational transfer

**Tax minimization strategies abide by rules set forth by the CRA and may require us to work along side a Chartered Accountant.

Estate Planning  

• Legacy Planning
• Inheritance
• Intergenerational transfers
• Estate Bond
• Gifting to children
• Trusts
• Charitable donations

**Some Estate Planning strategies may require the involvement of a legal professional.

Risk Management & Needs Coverage

• Income protection
• Asset protection
• Family protection
• Estate protection

Other

• Capital Needs and Cash Flow Analysis 
• Education Planning     
• Short term goal planning 
• Debt Management