Tax Minimization Strategies

• Tax efficiency of investments
• Tax deferral
• Tax conversion
• Passing assets through your estate
• Income splitting
• Inter-generational transfer
  
  

Risk management & needs coverage

• Income protection
• Asset protection
• Family protection
• Estate protection
• Travel Insurance
• Annuity Income
• Strategies to Bypass Probate
• Estate Bonds
• Term Life Insurance
• Whole Life/ T-100/ Universal Life Insurance
• Disability Insurance
• Critical Illness Insurance

Investment solutions

ACTIVE ADVICE:

• Professional, independent and unbiased financial and investment advice based on client’s needs and objectives
• Keeping clients on track with investment goals and objectives
• Proactively and regularly communicate with clients via telephone, newsletters, quarterly updates and reviews.
• Research and suggest alternatives that could help clients meet goals.
• Behavioral finance coaching
• Manage clients emotional state and prevent irrational investment decisions
•  Help protect clients against poor financial choice

Estate Planning

If you have accumulated assets during your lifetime, you likely will want to ensure that wealth transitions cost effectively.

• Maximize estate value
• Intergenerational wealth transfer strategies
• Tax minimization strategies
• Beneficiary audit
• Legacy planning
• Will and Power of Attorney review
• Charitable giving
• Family Trusts
• Testamentary Trusts
• Estate Bond

Guide to passing on wealth

Planning for death is difficult, because it’s an emotional topic. However, to preserve wealth, it’s important to employ a checklist to enable a thorough discussion and encourage trigger questions. Read more.

Why You Need A Will

Did you know : without a Will, your entire estate will not necessarily pass to your spouse. The estate will be distributed in accordance with the "laws of intestate succession". Just one of the many reasons why you need a Will.  Learn more.

Will Planning Checklist

There are many decisions you will have to make when you draft a Will. If not thoroughly considered, some of these decisions can have unintended consequences.

Here is a Will Planning Checklist of some of the issues that should be discussed before you make your Will.

Executor’s Handbook

When you become an Executor you are really becoming a legal Trustee with all the rights and responsibilities that come with that position. This Executor's Handbook  provides you with a solid overview of estate settlement and will hopefully provide you with some useful information and tools to expedite your responsibilities in a timely and competent fashion.

Asset Inventory Record Keeper

Take the time to document the important information in your life. Not only is this a convenient way to keep a better handle on your personal and financial information, it also becomes an invaluable tool for your loved ones should anything happen to you.  Try out the Asset Inventory Record Keeper