Process

Every client begins with an initial consultation. This is an opportunity for us to understand you – your family, lifestyle, and goals. Together, we'll review your current financial situation and ensure we build a plan that reflects what matters most to you. We'll apply our expertise in key areas such as:

 

Retirement Planning

 

Estate Analysis

  • Financial projections

  • Comparing pension alternatives

  • Identifying capital requirements for early retirement

  • Timing of pension receipts

  • CPP/QPP and OAS planning

  • Issues facing "snowbirds"

  • Retirement residence planning

 

  • Will planning

  • Choosing an executor

  • Planning for incapacity

  • Minimizing estate conflicts

    • Including cottage and business successions

  • Use of Lifetime (Inter-Vivos) or Testamentary Trusts

  • Tax minimization

 

Insurance Analysis

 

Tax Planning

  • Risk management

  • Estate preservation

  • Tax-efficient alternative investments

  • Living benefits

    • Includes a detailed policy review

  • Key person insurance

    • Life, disability, long-term care, and critical illness

 

  • Net worth and cash flow projections

  • Income splitting opportunities

  • Use of tax planning vehicles

    • Trust, RRSP, TFSA, RESP, etc

  • Cross-border tax solutions

  • Tax-loss selling

  • Capital gains exemption/deferral

  • Professional incorporation

  • Principal residence exemption