Clear Advice. Measurable Results. Peace of Mind.

We provide holistic wealth management services, optimizing every facet of your financial life, including portfolio management, financial planning, tax strategies, and insurance.

Contact us to see how we can simplify your financial life

Investment Management

Portfolio Management

Invest in peace of mind. We craft research-backed investment plans shaped by your risk tolerance and timeline. Our low-cost, tax-efficient portfolios are tailored to your specific needs and are part of a complete plan that unifies every aspect of your financial life.   

Our approach to portfolio management:

  • Free from conflicts of interest.
  • Globally diversified and low-cost. 
  • Built using a strategic asset mix to minimize volatility & maximize long-term after-tax returns. 
  • Structured with broad market Exchange Traded Funds (ETFs) and institutional quality mutual funds. 
  • Rebalanced regularly to maintain alignment and proper portfolio composition.  

As portfolio managers at Richardson Wealth, we have access to all that the market offers. Our dedication lies in delivering optimal results tailored to your needs. This is why we continuously review research and analyze data to ensure we utilize the most suitable investment vehicles.

 

 

Integrated Wealth Management

 

Retirement Planning

Planning for a secure future. With more responsibility placed on Canadians to manage their own retirement incomes, we understand how to effectively plan for this priority. Through our retirement planning, we can help clients enjoy their lives now while securing a prosperous future. 

Enjoying your golden years: For those already in retirement, our approach offers peace of mind. Our joint research over 10 years with the University of Waterloo has led to an innovative approach that converts investment assets into reliable retirement income, minimizing risk. 

Our focus on minimizing risk ensures a steady, reliable income stream, allowing you to enjoy your retirement years without the worry of market fluctuations. This approach provides a safety net, ensuring your savings translate into a predictable and comfortable lifestyle throughout your retirement journey.   

Our approach to retirement planning:

  • Balancing current cash flow needs with retirement savings based on your specific situation and goals.
  • Holistic portfolio construction that prevents over-reliance on specific securities like GICs or dividend stocks. 
  • Adaptive portfolio that adjusts your stock exposure to track income goals. 
  • Sensible risk measures to track progress and avoid premature erosion of capital. 
  • Continuous guidance on sustainable income throughout retirement. 

Tax Planning

Identifying opportunities to minimize tax liabilities while maximizing savings and investments. Navigating the complex terrain of taxes is a crucial aspect of securing your financial future. Our team is well-versed in tax laws and regulations and collaborates actively with your accounting and legal specialists to provide strategic tax planning services to optimize your financial position.   

Our approach to tax planning:

  • Minimizing Tax Liability: We help you understand and utilize various deductions, credits, and tax-advantaged accounts to legally reduce the amount of taxes you owe.
  • Strategic Financial Decisions: We analyze your financial situation and recommend strategies like income splitting or investment choices that optimize your tax efficiency over the long term.
  • Tax Reporting: Provide detailed tax packages to you and your accountant to ensure your filings are accurate and timely.
 
 

Insurance Solutions

Protecting your assets and loved ones is integral to managing your wealth. We work with Richardson Wealth’s team of in-house insurance specialists, and we assess your risk profile and recommend suitable coverage to safeguard your financial interests.

Our approach to insurance planning:

  • Risk Mitigation: We help you identify your risk factors to properly protect your finances from unexpected events like pre-mature death, accidents, and illnesses. By having adequate coverage, you avoid potentially devastating expenses that could derail your financial security and that of your loved ones.
  • Needs-Based Coverage: We analyze your coverage needs based on your specific circumstances. This involves considering factors like your family needs, income, and assets, as well as lifestyle to ensure you have the right types of insurance policies with the right amount of coverage.
  • Financial Safety Net: We ensure you have the financial resources to cover significant expenses arising from unexpected events. This can include lost income due to disability, repairs after property damage, or other unforeseen expenses.

Business Ownership

We specialize in planning for business owners and professionals, including doctors and dentists with incorporated practices. Our tailored strategies, developed with expert input, optimize financial efficiency, aligning personal and business goals seamlessly.

Our approach to helping business owners:

  • Strategic Financial Planning: We help create a financial plan that considers both business and personal goals. This includes optimizing tax structures, maximizing retirement savings, and implementing strategies for wealth preservation and transfer.
  • Investment Management: We manage business assets, personal investments, and retirement accounts for incorporated individuals.
  • Business Succession Planning: We collaborate with professionals to provide guidance on developing a clear plan for the future of the business.
 

 

Education Planning

When it comes to education funding and planning, we aid in strategizing for future educational expenses. Our personalized solutions for savings and investments ensure that educational goals are met affordably and effectively.

Estate Planning

Preserving your legacy is essential. Together with Richardson Wealth’s team of in-house estate planning experts, we help you and your family navigate the intricacies of estate planning. This involves collaborating with professionals for will preparation and revision, powers of attorney as well as estate tax planning.

Debt Management

We collaborate with experts to analyze your debt structure, prioritize high-interest obligations, and explore options like consolidation or refinancing. We craft a personalized plan to optimize cash flow, accelerate debt repayment, and achieve financial freedom.

Charitable Giving

We guide your charitable giving, maximizing your impact. We explore options like donor-advised funds, appreciated securities donations, and charitable trusts. We ensure tax efficiency and align your giving with your philanthropic goals, to create a lasting legacy.

Navigating Employer Plans

We help you understand your employer benefits, including pensions, health and insurance benefits, and share compensation. We outline how to integrate these elements into your overall financial plan and their impact on your financial well-being.

 

 

Our Wealth
Management Philosophy

Empowering Your Financial Journey.

Our approach revolves around gaining a comprehensive understanding of your specific financial situation and goals, as well as your personal definitions of a satisfying life and a successful retirement. We work with you today and help you plan for tomorrow. 

We go beyond simply managing investments; we are your trusted partner in navigating your entire financial journey.

Our approach:

  • Working for you: We prioritize your best interests above all else. Our advice is independent and unbiased, guided by fiduciary principles.
  • Holistic Approach: We consider all aspects of your financial life, including investments, retirement planning, tax optimization, estate planning, and risk management. We believe in unifying your financial picture for a more comprehensive strategy.
  • Data-Driven Strategies: We utilize research-backed investment strategies and evidence-based planning to make informed decisions for your future.
  • Long-Term Focus: We believe in building a sustainable financial future. We take a long-term perspective and adapt your strategy as needed throughout your life stages.
  • Ongoing Communication & Education: We are committed to clear communication and ongoing financial education. We keep you informed and empower you to make informed decisions.
  • Collaboration: We believe in the power of collaboration, with you and with professionals such as accountants and lawyers. We also enlist the help of Richardson Wealth’s in-house tax and estate planning specialists to ensure your financial plan is cohesive and comprehensive.

 

Let's secure your financial future

Discover how together, we can bring clarity, transparency, and peace of mind to your financial journey, ensuring a thriving present and future.

1

Discovery meeting

We explore your priorities and goals, considering both short and long-term perspectives.

Our aim is to understand you, as well as answering all your questions.

2

Initial Planning

We’ll share our proposed plan and recommendations for your journey ahead.

We’ll transparently discuss all associated costs and fees.

3

Ready to move forward?

We’ll prepare and handle all the paperwork and facilitate the seamless transfer of your assets.

We’ll craft and set your comprehensive financial plan in motion.

4

Periodic Progress Check-ins

We are always here to answer your questions and guide you through the process.

We inform you regularly on your progress toward your goals.

5

Reviews & Optimization

In our regular reviews, we’ll discuss any life changes that might require adjustments to your plan to ensure you stay on track.

Contact us to learn more