Our Services

You will receive a tailor-made plan based on your goals and dreams.

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Cash Flow Review

- Review personal cash flow & savings rate
- Manage contributions (RRSP, TFSA, RESP)
- Execute cash requests & withdrawals (RRIF, LIF)
- Savings through holding company & family trust
- Savings through individual pension plan (IPP)
- Review budgeting & debt management
- Stock option analysis

Retirement Planning

- Retirement asset projections
- Retirement plan & cash flow projections
- Retirement sustainability drawdown review
- Pension plan analysis

Investment Reporting

- Monthly custodian reporting
- Quarterly investment reporting
- Asset class performance and benchmarking report
- Annual capital gains and loss report
- Annual management fee report

Independent Insurance Review

- Review your insurance needs
- Recommend insurance solutions

Wills and Estate Planning

- Review your will and mandate (power of attorney)
- Review the 5 W’s of estate planning
- Recommend changes and will updates
- Prepare a will memo for your notary or lawyer

Portfolio Management

- Understand your goals & objectives
- Review your willingness to bear risk
- Review your financial capacity to bear risk
- Review target portfolio allocations
- Create investment policy statement
- Build, monitor and manage your portfolio
- Quarterly rebalancing
- Cash flow rebalancing
- Managing investment costs (including trading expense ratios)
- Seeking tax efficient strategies

Tax Services

- Tax planning
- Federal & provincial tax preparation
- Federal & provincial tax filing
- Annual portfolio tax loss harvesting
- Tax installments payments
- Prepare tax package for client’s accountant
- Coordinate with client’s external tax advisors

Philanthropic Services

- Establishment of a philanthropic plan
- Tax optimization with strategic charitable giving
- Coordinate donations of investment securities
- Creation of donor-advised philanthropic funds

Put Our Team to Work for You

Our highly responsive & available team offers annual in person meetings as well as additional service meetings as needed. We also provide valuable special reports & quarterly newsletters.

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