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The world of investments can be confusing at times, and it can be very helpful to have someone you trust to help you figure it all out. No matter where you are financially, or what life stage you are in, planning for your future is important.

Most advisors will talk to you about where to invest your hard-earned money, give you recommendations on what types of products and funds to invest in, and explain how to make the tax system work to your advantage. We will do all of these things, but we will also focus on your goals to help you understand why you’re investing, which will ensure your long-term success.

Building & Growing

Typically the focus of the working generation, the building and growing phase of your life, is an important one. It is no longer the norm to work at the same job for 30 years and then retire with a comfortable pension that lasts for the rest of your life. The work force has changed, and so should the way we plan and save for the future.

In our process we will talk to you about what your goals are for the future and how we can help you achieve them. We discuss what types of plans and investments will work best for your situation, and give you recommendations based on proven strategies.

Spending in Retirement

You’ve worked hard, and now it’s time to sit back and enjoy the fruits of your labour. Maybe you would like to do some traveling, spend time with your children and grandchildren, volunteer in your community or just enjoy life at a slower pace. Now that it’s time to start using the money you’ve been saving up all these years, it would be wise to build a plan for your retirement income.

Whatever your ideal retirement years look like, we can help you set up a plan that allows you to enjoy them without worrying about money. We can help you figure out what types of plans and investments will be best suited to your unique situation and give you our recommendations based on your goals and values.

Building A Legacy

Most of us want to make sure we have a lasting legacy to leave behind to our loved ones, or a cause that we care about. Often that involves some very intentional planning ahead of time. Without the help of a financial advisor, many people unintentionally leave behind a big tax bill to pay, which eats away at the amount that is left for the people and causes they care about.

We will talk to you about strategies that will maximize the value of the legacy you leave behind to your family and your favourite charities, while ensuring that your estate needs are met. This will give you peace of mind, knowing that your loved ones will be taken care of and your final wishes will be carried out.

Investment Products

There are two important components that distinguish one type of investment from another. The first is the type of product, and the second is the registration, or the tax type of the investment.

Product Types

We work with the following types of investment products:

  • Mutual Funds
  • Segregated Funds or Individual Variable Insurance Contracts
  • Guaranteed Investment Certificates (GIC’s)
  • Annuities
  • High-Interest Savings Accounts

Tax Types

These investment products can be held in a plan, or a combination of plans that would be registered as any of the following tax types:

  • Registered Retirement Savings Plans (RRSP’s)
  • Registered Retirement Income Funds (RRIF’s)
  • Locked-In Retirement Accounts (LIRA’s)
  • Lifetime Income Funds (LIF’s)
  • Tax-Free Savings Accounts (TFSA’s)
  • Registered Education Savings Plans (RESP’s)
  • Registered Disability Savings Plans (RDSP’s)
  • Non-Registered Savings Accounts

Most people will hold different types of investments that are unique to their employment, life stage, investment objectives, and risk tolerance. For each different type of investment there are rules and regulations, different tax implications and other factors to consider before choosing the one that best suits your situation. With our experience and working knowledge of the tax system and a variety of financial institutions, we can help you select the investment products that are right for you.