PERSONAL SOLUTIONS
"Logic will take you from A to B, Imagination will take you everywhere."
Albert Einstein
In the end all solutions are designed to be personal, even corporate.
Incorporating risk management (Life, Critical Illness, Disability, Health care Insurance) with wealth management together has the advantage of insight as to what asset growth factors need to be accounted for and which ones do not. Planning this process as early as possible is key, and this creates personal financial empowerment.
*For example, ... a couple that is concerned about an inheritance for their children may be able to spend down more of their retirement assets (more trips, less stress, better health care) if they have insurance in place vs. a couple that does not have insurance.
You may have these additional questions & concerns when thinking about your future...
*Is there a way to safely turn your expenses into Guaranteed Income? YES!
*What is best, a mortgage or a line of credit? WE HAVE THE DATA, AND CAN SHOW YOU YOUR NUMBERS, AND THEN CAN ASSIST YOU IN GETTING OUT OF DEBT FASTER.
*What's best for me, a TFSA or an RRSP? IT DEPENDS ON PERSONAL FACTORS - THERE IS NO GENERAL RULE.
*Or, is there any way to save within my corporation and business before I issue income, without the money being in 'jail' (like an RRSP)? YES!
*An estate plan that is tailored to your needs is also important, esp. in an age of many blended families and goals of allocated inheritances, and as based on many life factors, not necessarily equal.
*Is my employee benefit plan enough? FOR MOST IT IS NOT.
*Which RESP is best for my child? UNDERSTANDING VARIOUS RESP AND NON-RESP OPTIONS TO SAVE IS IMPORTANT - INTERESTED IN FUNDING BEYOND COLLEGE OR UNIVERSITY?
*I do not like the market volatility, is there any way to avoid it? YES!
*What if I do not get sick, can I get my premiums returned? YES, IF SO STRUCTURED AT THE ON-SET.
Getting to know you, and your values will be key to determining with you the best long-term and short-term strategy.
To understand
Learning about you and your goals, financial objectives, current and past frustrations and concerns is an important first step. Our mandate is to help you optimize your financial world.
To assess
We review your tangible and intangible risks, assets and your debt for improved savings & investments, insurance, and lower borrowing costs. These details help us help you.
Manage My Risk
Insurance is under utilized and is often the most tax efficient use of capital to manage personal and corporate risk.
We will show you new options to help manage life events.
Better Wealth
Absolute diversity across asset classes is key. We help you allocate for possible combinations of guaranteed returns, liquidity, as well as non-correlated investments.