SMA Investment Group
Every comprehensive financial plan for individuals and business owners should include an estate plan. To this end, we work with our Financial Security Advisor who can assist with estate planning issues while taking into consideration the tax aspect of transferring wealth to your heirs. Here are our primary areas of involvement:
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.
"Financial planning provides you with a clear vision of your current situation and projected future."