New technology will never replace old-fashioned service

Our approach is like a well-balanced workout regimen. With over twenty years of service and thousands of satisfied Clients, our team of financial planners and support staff become your financial training partners. Together, we sculpt a financial roadmap that aligns with your aspirations.

We go beyond just sitting down and getting to know you. We learn what you really want and what complex challenges you face. Like a skilled trainer, we transform complex obstacles into straightforward, actionable choices. We do our best to understand you and shape a plan that ensures your financial fitness for the long run.

Ready to hit those goals?

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Investment strategies

  • Creating portfolios within Client risk profile
  • Helping Clients select investments and an investment strategy that aligns with the written plan
  • Providing due diligence on investment and manager selection
  • Monitoring performance
  • Incorporating guaranteed income
  • Striving for tax-efficient
  • Investing and income  

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Asset management

  • Deciding which assets to use and which to defer
  • Funding TSFA accounts
  • Developing an exit strategy for registered accounts
  • Strategically moving corporate capital to personal accounts
  • Delivering a survivor-friendly and estate-friendly outcome
  • Monitoring the amount of withdrawals and the rate of withdrawals
  • Identifying opportunities to make locked-in accounts more flexible

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Income management  

  • Tailoring income streams for Client(s)
  • Focusing on short – and long term – tax efficiency
  • Being vigilant about net income figures
  • Engaging all of the actions in layering income
  • Providing specific direction on and integration of other income streams (OAS, CPP, pensions, etc.)
  • Revisiting income needs and income strategy on a year-to-year basis

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Risk management

  • Investment risk
  • Longevity risk
  • Inflation risk
  • Encroachment risk
  • Withdrawal risk
  • Taxation risk
  • Health cost risk
  • Premature death risk
  • Critical illness risk
  • Disability risk
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Tools and calculators

Make planning for your financial future and retirement easier with some of our tools and calculators.

  • Life insurance calculator - In just 2 minutes, calculate how much life insurance you may need.

  • Retirement savings calculator - Find out how much you will need to save for retirement and if you're on track to meet your retirement savings goal.

  • Budget calculator - Use this monthly budget calculator to help you manage your spending.

    • Ready to take the next step?

    Talk to us today