How we help Clients

While we help Clients at every age and stage of life, we have learned that some people benefit more from our services than others. Professionals, business owners and their families are best suited to our areas of experience and scope of financial solutions.

Here are several real examples of current client profiles and how we have helped them achieve their financial objectives. If any reflect your own circumstances and needs, give us a call.

We have liftoff:
Successful early earners

Young couple: conquered student debt and are now earning solid incomes; looking to make the most of their money.

Foundational planning: putting all the investment and insurance cornerstones in place for both short and long-term objectives.

A juggling act:
Professional couple

Paediatric physician and Healthcare Director immigrated to Canada with a young family; new to our tax system and financial products.

Created a full financial plan in consultation with their accountant. Established an insurance protection program (life and critical illness) as well as various investment accounts, both individually and for his professional corp.

Firing on all cylinders:
Pre-retirees

IT Executive and Teacher with multiple objectives: renovate the cottage and move out of the city; help their children become homeowners; maximize the after-tax value of their estate.

Developed a retirement and estate plan that preserves their lifestyle now and in retirement; implemented an insurance strategy to guarantee the tax-effective transfer of family wealth to the next generation.

All hands on deck:
Small business

Law firm with several partners, 10+ employees and a range of needs, both corporate and personal.

Provided group benefits for everyone and buy-sell insurance coverage for the partners. Individual financial planning for individuals on an as-needed-basis.

Flying solo:
Self-employed

Divorced realtor and parent of three children; pulled in several directions.

Balanced protecting the Client while supporting the children. A multi-layered plan including education and retirement savings (RESP + RRSP) as well as income protection (disability insurance).

The ties that bind:
Multi-generational family

Three generations with unique needs yet common financial ties.

Separate plans for each family member, each including customized investment, insurance and estate-planning guidance.

Making it work:
The partnership

Three thriving architects leading a rapidly growing firm; onboarding new Clients and employees.

Customized benefits including guaranteed-issue disability coverage and partnership insurance. Financial planning seminars for all staff as well as individual investment guidance as needed.

Living the dream:
Comfortable retirees

Fortunate to have more than they’ll ever need yet still worried about taxes – both today and down the road.

Developed a tax-efficient asset withdrawal approach for their retirement income needs; proposed tax-effective wealth-transfer strategies for their estate.

Our community

We are proud to actively give back to the communities in which we live and work.

Two of our team — Jennifer Clarke and Mark Coutts – are recipients of Humanitarian Awards for their longstanding commitment to community service.

Over the years, members of Monarch have volunteered their time with a wide range of worthwhile charities and local organizations including:

  • East York Baseball Association
  • Junior Achievement Canada
  • Kingsway-Lambton United Church
  • GICs
  • Local hockey leagues including East York, Scarborough Ice Raiders and Warren Park
  • Neil McNeil High School
  • Western University Ivey School of Business
 

Our industry

It’s important we be involved with the companies and industry groups that help shape Canada’s financial services landscape. By having a seat at the table where future products and regulations are discussed, we can contribute our perspective and keep abreast of emerging trends on behalf of Clients. 

Between them, Monarch’s co-founders Laura Money and Mark Coutts have contributed their time and experience to the following:

  • Advocis Retirement Income Advocacy Committee
  • Canadian Association of Life Underwriters (CALU)
  • Sun Life Sales Force Advisory Council
  • Sun Life Financial Planning Committee
  • Sun Life Wealth Committee

Have questions?

We have answers. Take 5 minutes to complete our intake questionnaire and we’ll connect you with the appropriate Monarch team member based on your current financial situation and needs.

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Helping Clients make confident financial decisions