We are committed to helping Canadians manage the complex and evolving needs of their wealth. Whether you are recently retired or have been retired for many years, we take a holistic approach to your overall financial well-being. Clients and their families are at the heart of everything we do, every day. We have helped clients across a range of needs and goals that include: creating tax efficient income streams, passing on wealth to next generations, retiring early, ensuring funds last through a lifetime, and protecting families with insurance needs.
Pre-retirees and Retirees
You may have spent your working life accumulating wealth. Now you are getting ready to move to the next phase. This will involve a fundamental change in how you view and manage your wealth.
The focus has moved from saving to growing, protecting, and enjoying your wealth.
We can help you address several realities:
- You may live longer than you expect, and maintaining your lifestyle could become a challenge.
- Managing your tax bill is even more critical to protecting your assets over time.
- The strategies for creating a tax-efficient, life-long income are different.
- Your ability to leave a legacy depends on a well thought-out plan.
We are here to listen and help you look forward to a long and comfortable retirement.
Our role in guiding families is twofold: first, to guide clients to the most tax-advantaged ways to pass along wealth that match their current goals; and, second, to help the next generation understand the impact of sudden-wealth events (such as inheritances) and how to prepare for them in advance.
We believe that strong communication between different generations is critical because as the values and goals of all members are heard, conversation among them becomes easier. By taking the time first to ask questions in a comfortable environment, we learn about your life goals and your family dynamics. We then customize an investment plan that confirms where you are financially and where you want to go.
An estate plan follows that gives details of what you wish to leave behind, how you want it to impact your children’s and grandchildren’s lives, and how much flexibility you want in the way they use your legacy. Our careful and ongoing management of your family’s wealth will help family members to focus on their life goals knowing their wealth management needs are in good hands.