Estate Planning
Estate planning is a crucial component of comprehensive financial planning for both individuals and business owners. It ensures that one's assets are managed and distributed according to their wishes, while also considering tax implications and other financial factors.
| A well planned and up-to-date Will. | Income protection. |
| Estate freeze for operating or holding corporations. | Assessing the cost of settling your estate. |
| Use of testamentary trust and discretionary inter-vivos trust. | Evaluate your business financial needs in case of long-term disability. |
| Charitable donation to your favorite charity. | Unbiased second advice on your insurance contracts and strategic thinking. |
| Equitable distribution amongst your heirs. | Help you find insurance solutions, such as life, key person protection and disability insurance, that best meet your needs, giving you piece of mind knowing that you have taken steps to protect your income and your business. |
Financial planning
Financial planning encompasses a comprehensive assessment and strategy formulation tailored to meet an individual's or business owner's financial goals and circumstances. The formulation of a plan provides valuable optics of one’s current financial position and future values.
• Defines your investment knowledge, your risk tolerance level, your investment time horizon and goals. The resulting investor profile allows us to recommend an appropriate asset allocation and portfolio structure.
• Includes tax planning issues related to your overall financial situation.
• Determines your retirement lifestyle needs, projected income from your investments (annuities, minimum RRIF withdrawal, etc.), and allows us to implement a strategy to optimize the results.
• Defines your survivor and estate capital needs and helps you structure your asset allocation accordingly.
