Wealth Management Planning

Over a series of meetings, our team will prepare a detailed analysis of your current investment portfolio and plan to determine whether it will achieve your goals.

We build and apply a concrete plan of actions that will help you improve your finances while considering your life goals, assets and liabilities, investment style, expectations in terms of financial independence, as well as any need you may have related to succession and philanthropy.

The goal is to optimize the wealth management strategy that increases your returns, while reducing investment risk, taxes, and investment fees.

‍

Optimizing Returns

As we are a full-service brokerage firm, we have access to all types of market investments. Such a great deal of latitude, combined with our know-how, allows us to build portfolios suited to your personal situation, investment preferences and social values. In this way, our hands are not tied to proprietary high-cost investments. We invest objectively in the most suitable and best products for our clients.

Risk Management

Risk is inseparable from return. Your portfolio should be diversified by asset classes, geography, economic sector and management style in order to achieve the lowest risk with the highest possible return. You should seek to build an “all weather” portfolio because your retirement should never depend on the stock market or any uncontrollable factor. Our team will identify, analyze, and implement the mitigation of uncertainty in investment decisions to preserve your portfolio.

Investing Tax Smart

Taxes play a significant role in your overall. It is important for us to manage the tax costs of investment decisions. This is a significant contributor to after tax wealth accumulation. The tax impact of retirement accounts and portfolio holdings should be reviewed so that clients do not pay income taxes unless necessary. Minimizing your tax burden through planning, and how taxes might impact your particular situation. To achieve these vital goals; once you become our client we will help you:

• Develop income tax strategies with concepts such as income splitting, spousal RRSP, and deregistering.
• Recommend plans and techniques to limit tax liabilities.
• Structure your portfolio with a tax efficient method.