Understanding your needs

Helping you reach your future goals

Whether you are an individual investor or a business owner, each investor will have unique situations that need to be considered. You might be asking yourself questions:

  Do I have enough to allow me to retire when I intend to?

  Will my family be taken care of if I die, become disabled or am sued?

  Is my estate plan up to date and do I have a Will, Power of Attorney (Personal Care and Property), or do I need a trust?

  Is there anything else I can do to reduce my income taxes that I’m not doing now?

  Do I have business succession plan?

  How do I create legacy on death? 

  How to deal with cross border taxation?


We can help you answer these questions. Our goal is to help you preserve the wealth you have created, enhance it without taking undue risk and transfer your estate efficiently to your beneficiaries. 

Understanding your financial plan — Integrated wealth planning approach

Inside a wealth plan

Depending on your specific needs, a customized wealth plan may include some or all of the following components:


Tax and financial planning strategies  

Net worth and cash flow projections; income splitting opportunities; use of tax planning vehicles (Trusts, RRSPs, TFSAs, RESPs, etc.); cross-border tax issues; tax-loss selling; capital gains exemption/deferral; professional incorporation; principal residence exemption.

Insurance solutions  

Risk management; estate preservation; tax-efficient alternative investments; living benefits; detailed policy review; new business management; life, disability, long term care and critical illness insurance.

Estate planning  

Will planning; choosing an executor; planning for incapacity; minimizing estate conflicts (including cottage and business succession issues); use of Lifetime (Inter-Vivos) or Testamentary Trusts; tax minimization.

Retirement planning  

Financial projections; comparing pension alternatives; identifying capital requirements to retire early; timing  of pension receipts; CPP/QPP and OAS planning; issues for “snowbirds”; retirement residence planning.

Business succession  

Technical issues regarding business succession (estate freeze, sale of assets vs. shares, shareholder  agreements); farm continuance; family governance structures, separating family/ownership/management.


Private and public foundations and donor-advised funds; donating publicly-listed securities and stock options; donations upon death, gifts of life insurance.

Understanding the wealth planning process

Our tax and estate planning teamStage 1 — Data collection

  • We will provide you with an overview of the Wealth Planning process, timelines and documentation that will be required.

  • All information provided to our Team is kept in the strictest confidence.

Stage 2 — Data validation

  • We will review the financial information provided and prepare a Data Validation Report. This report provides a summary of all the information you have provided, to ensure that our understanding of your situation is accurate.

Stage 3 & 4 — Report preparation and analysis

  • Our professionals will prepare the comprehensive Wealth Plan and provide detailed recommendations and strategies in writing.

  • We will dedicate Tax & Estate planning resources to various components of your plan to ensure the expertise is directed where it is needed.

  • We will meet with you to review the Wealth Plan in detail.

Stage 5 — Implementation and review

  • We will work with you to implement the recommendations in the Wealth Plan.

  • Our team of professionals is available to discuss the recommendations with your personal advisors if requested.

  • Planning is an ongoing process. Annual reviews with your Investment Advisor are critical to ensuring that you continue to meet your goals and objectives over the long term.