Explore our Services

We are well positioned to assist you with life transitions. Through our holistic approach to wealth planning, we will look at all the functional areas of your financial life. We will assist in answering your questions by providing sound solutions for your financial goals.

Protecting You and Your Family

• What would happen if I become sick, disabled or required long term care?
• Will my spouse and family be okay if I die? Will they be able to maintain the same quality of life?
• Do I need life insurance? How much disability insurance do I have? What does critical illness insurance cover me for?

Planning for a Successful Retirement

• Do I have enough money to maintain my lifestyle during retirement?
• What choices do I have with my company pension plan?
• What decisions do I need to make about my group benefits plans when I leave work?
• Should I take my Canada Pension Plan early?

Planning for the Transfer or Receiving of Wealth

• Are there strategies that may benefit my family that I should be considering in my Will?
• Should I have a Power of Attorney (POA) and Health Care Directive?
• What issues do I need to consider when leaving our cottage or winter home to my children?
• How do I reduce my taxes and probate fees at death? How do I avoid sharing my children’s inheritance with Revenue Canada?

Planning for other Life Transitions

• What are the financial considerations I need to know if I divorce?
• What things do I need to consider when changing jobs/careers?
• What is the best way to save for my children’s education?
• What are my options if I were to receive a severance package from my employer?

Tax Planning

• What are my most effective strategies to reduce the taxes I pay?
• Can I split my pension income with my spouse to reduce the amount of tax we pay?

Investment Planning

• Should I be investing in Tax Free Saving Accounts (TFSA) or my RRSP?
• Should I be looking for more guaranteed investment solutions to manage risk?

Business Planning

• How do I properly sell my business or transition it to the next generation?
• How do I treat my children equitably if only one child continues the family farm business?