Client Solutions
No matter who you are, what you do or how old you are, you have dreams. Those dreams have a price tag and we can help you to establish a winning game plan to make those dreams a reality.
It’s about setting a strategy –– offensive and defensive –– building the right habits and surrounding yourself with a team of coaches and experts to guide you and cheer you on.
So, what stage are you at?
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Young Singles & Families
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If you’re in your 20s or 30s, you have one major asset that your parents don’t have: time. Time, plus the habits you start now will work wonders. You’ve got 20, 30 or 40 years and if you start today, you’ll be in gear and on track to make your dreams come true.
Maybe you’d like to own a house, have a family, build a business or ensure you’re able to travel the world when the time comes. Or if you’ve already started on your family, you might need to take protective steps to insure your income against illness, disability or premature death. With little ones on the way, you might be wondering about creating the opportunity for further education.
A winning financial game plan is not glamourous, it’s just common sense.
Your Acceleration Years
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Once you’ve passed certain milestones in your life and career, your dreams start to take shape. But for most Canadians in this stage of life, the line is never as straight as it looks. Business opportunities, aging parents, divorces, blended families, market meltdowns, health challenges, golden handshakes –– just to name a few –– might have entered the mix and left you wondering just what exactly you’re supposed to do next. Helping you to answer that question is what we do best.
There are solutions that make sense, no matter what twists life has in store for us. Whether you’re worried about health, family continuity, retirement possibilities or even home renovations, sorting out the tax and estate implications is part and parcel of a winning financial plan.
Nearing Retirement
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There comes a point in time when you realize that retirement is closer than you think. When the calendar (or your internal body clock) starts to say that within 5 or 10 years it’s time to hang up the gloves, there are a number of plans and decisions to be made as you get your financial house in order. Helping you to create a retirement plan that allows you to sleep at night with peace of mind and confidence is what we do best.
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We take a look at the whole picture, balance all of the competing priorities - your retirement lifestyle, your business or personal assets, your need for income, your family’s special needs, your health –– and provide a practical approach to making your retirement dreams come alive.
Financial Planning for Retirees
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The saving and investing patterns that have gotten you “to” retirement are markedly different from the patterns that will get you “through” retirement. Whether you’re newly retired or fully retired we’ll create a written income plan that smoothes the tax bite on your retirement income over time and give you the peace of mind that you’ll be able to fund your desired lifestyle expenses throughout your retirement years.
Our team has specialized expertise that combines tax and estate planning to help you make the most efficient use of your assets in retirement. We take a look at the whole picture –– your health, your retirement lifestyle, your need for income, your desire to create a legacy for future generations or for your favourite charities –– and provide you with the options and guidance to make sure that your financial life is organized exactly as you wish it to be.
Business Owners & Professionals
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Small business owners and professionals face unique financial challenges, as their personal and business situations are closely linked and their personal success depends heavily on the economic viability and success of the business. Our team has specialized expertise and services to help small business owners and professionals plan and coordinate their financial affairs for maximum results.
No matter what stage in life you are in, a consistent approach to financial planning with a clear & transparent map is important to achieve your goals.
Let's have a comfortable and real conversation about your financial needs. Contact us to book a consultation.