Whether your financial goals are to: plan for retirement, minimize taxes, own a home or cottage, provide for a child's education, protect your income and assets or own a business we can help you with our following planning services:
Comprehensive Financial Plans
An essential step to ensuring your financial decisions are best suited to your current and future needs in building towards your future lifestyle expectations, our approach entails:
| Step 1: |
Gain a better understanding of what Financial Security means to you. Identify and understand your financial and personal values, outlook and desired results as they relate to your financial goals, needs and priorities. |
| Step 2: |
Gather relevant personal information to understand your current situation. Clarify your present situation by collecting and assessing your financial data. |
| Step 3: |
Identify any roadblocks and/or financial problems that can create barriers to achieving your financial goals and objectives. |
| Step 4: |
Prepare a written personalized financial plan to provide recommendations to deter these barriers and provide solutions structured to meet your future financial needs |
| Step 5: |
Implementation of your financial plan. Assist you in implementing the right strategy to ensure that you reach your goals and objectives |
| Step 6: |
Periodic review of your financial plan to review the progress and make any adjustments, if necessary, according to ongoing life changes and goals. This is to ensure your plan is on track towards meeting your financial needs. |
Debt Management / Lending Programs and Other Services
Start your debt management program to consolidate debt, lower your monthly payments and other credit solutions to your unique financial situation to help you reach your financial goals.
 Personal Loans
Investment Loans
RRSP Loans
Lines of Credit
Mortgages
Home Equity Loans
Individual Insurance
To access your current and potential future risks and provide solutions to reduce, eliminate and/or transfer the exposure to ensure that your wealth is protected.
Life Insurance (Term, Participating, Permanent, Universal Life)
Health, Dental & Vision Care
Income Protection/Disability Insurance
Critical Illness Insurance
Long Term Care
Out-of-Province/Country Travel Insurance
Investment Analysis
To ensure your investments are tailored to meet your goals and objectives, values, temperament and risk tolerance, while providing projections and recommendations towards meeting your financial goals.
Investment and Retirement Management
Wealth Accumulation Plans
Registered Retirement Savings Plans (RRSP)
Investment Accounts (Non-Registered Savings Accounts)
Locked-In Retirement Accounts (LIRA)
Registered Education Savings Plans (RESP)
Tax-Free Savings Account (TFSA)
Pension Plans
Wealth Income Plans
Registered Retirement Income Fund (RRIF)
Annuities
Life Income Funds (LIF)
Locked-In Retirement Income Funds (LRIF)
Group Benefits and Retirement Programs
Group Benefits Plans
We will help you design and implement a group benefits plan for your workplace
Life
Disability
Critical illness
Extended health
Dental and Vision
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Group Retirement Plans
We will help you design and implement a group benefits plan for your workplace
Registered Retirement Savings Plans (RRSP)
Deferred Profit Sharing Plans (DPSP)
Tax-Free Savings Account (TFSA)
Registered Pension Plans (RPP)
Employee Share Ownership Plans
Individual Pension Plans
Tax and Estate Planning
Understand your current and future tax situation, minimize the taxes you pay, plan your financial affairs in the way that works best for you, ensure the government does not end up collecting more taxes than is necessary and ensure your legacy is disbursed the way you intended.
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