Wealth Management Services

Wealth Management is a process built around the marriage of financial planning and asset management. We view the two as inseparably correlated components of a successful financial future. That is our goal: To help clients achieve success in all aspects of their wealth.

Our process begins by taking a holistic approach to wealth management. Our financial advisors work to understand your goals and objectives before making any investment decisions. We construct a blueprint for your financial plan that becomes the foundation of the relationship with our advisors. The process consists of several steps resulting in a financial plan in harmony with asset allocation within your portfolio.

High-net-worth individuals have wealth management needs that are different from the average investor. We have worked with clients who are on track to have investable assets in excess of $1 million. We provide unique solutions of wealth management services customized for our clients. We are in the business of helping our clients design a customized strategy which is a best fit plan to meet their overall Wealth Management needs that are important to them and their families.

Our Wealth Management services include:

  • Preservation of capital – Preserving your wealth is our main objective considering you have spent your working life to get your portfolio where it is now. Our investment team strives  to preserve capital and make certain your investments continue to generate income.
  • Reducing the impact of taxes – Our wealth management services will help you minimize the tax impact on your financial plan while maximizing your family’s cash flow.
  • Providing a solid family succession planWe will take you through all the financial aspect you need to be aware of to make sure you have made provisions for your family and friends.
  • Preventing assets from facing unnecessary risksThrough our safeguard policies, strong corporate backing, and a strict adherence to the law, our goal is to protect your interests in every aspect of our relationship.
  • Charitable givingWe can help you consider solutions that preserve tax advantages while also benefiting charitable concerns you care about.

Private Client Services and Wealth Management

Our team specializes in the following wealth management and private client services:

  • Preserving Capital is just as important as the return on Capital. This is why we focus heavily on using all available investment tools at our disposal to ensure we effectively design a plan that fits your overall risk tolerance and matches your retirement income objectives.
  • Our fee-based model is priced competitively and addresses the need to align our interest with that of our clients. Quite simply, the commission-based structure of the past just isn’t good enough anymore. With our model you pay one annual fee, based on the value of your portfolio and that is all. There are no additional administration fees, trading commissions or hidden charges.
  • Why do we offer this? It’s simple. If your portfolio value increases, then our fee amount increases too (since the fee is a fixed percentage). If your portfolio value declines, then our fee drops as well. So we have a vested interest in seeing your portfolio grow.

Benefits from this program include:

  • Regularly scheduled portfolio reviews.
  • Maximized yields on cash balances.
  • Annual trading summary and tax reporting.
  • Monthly summary of all portfolio activity.
  • One all-inclusive, tax-deductible fee, based on the market value of your portfolio.

Estate Planning

As an Estate Planning Advisor, I provide personalized financial solutions for our client’s estate and insurance planning needs.

We deal with the leading providers of insurance, accounting and legal services. As an independent firm, we are not obligated to promote any particular company's services or products. As part of our commitment to you, we constantly survey the market to obtain the best value available.

Why do I need an Estate Plan?

If you are unsure as to why you really need an estate plan, then consider this:

If you die without an estate plan, the law will not assume you have made beneficiary choices, tax elections or financial planning decisions, no matter how advantageous they might be for you and your family or your business.

If you die without a plan, your surviving family members will be left to deal with your business as is and may not have the resources or experience to manage the financial decisions. You don’t need a complex estate plan if you’re comfortable with how your property will be disposed of with a simpler plan or even by law, and the tax effects that go with it. First, however, make sure you fully understand who will receive yours assets according to applicable laws.

Is an estate plan different for business owners? The simple answer is yes because it is more complicated.

  • Complicated tax issues.
  • More complex investment structures.
  • Issues relating to business succession.
  • Personal and business relationships.

Estate Planning is an ongoing process, over a long period of time, with many changes along the way. Inevitably, there will be issues that you haven’t resolved and questions you don’t have the answers to at this time. You shouldn’t let that stop you from beginning the planning process. It’s perfectly acceptable to have an estate plan in which some decisions are deferred to a later date. A partial plan is better than having no plan at all.

What is Estate Planning?

Estate Planning is the process of organizing a tax-efficient transfer of your assets to specific groups such as family or charities. In addition to determining who should receive your assets and when they should receive the proceeds of your estate (during your lifetime, at death. or long after death or never), estate planning does consider the following:

  • The financial and other needs of your surviving family members in the event of your death.
  • Your financial, contractual or moral obligations.
  • A plan for orderly business succession.
  • Tax minimization strategies.

Your estate plan does not stand alone. It should be integrated with your financial, retirement and business plans. For a complete plan, also consider the plans of family members and the co-owners of your business. If you own assets in more than one province or country, your estate plan will need to reflect the different law and layers of taxation that will apply.