Our Services
Every discipline, working from one plan.
Each service below follows from your financial plan, and each is reviewed with the others in view.
01
Financial Planning
The foundation every other service is built on.
Your plan brings together your goals, cash flow, net worth, tax position, and estate intentions, and sets out clear, prioritized recommendations. It is a written document, prepared for you, reviewed with you, and updated as your life changes.
Includes
- Goals, priorities, and timelines
- Cash flow, debt, and net worth, today and projected
- Retirement income and the timing of government benefits
- Business-owner planning, with corporate and personal planning built together
02
Investment Advisory
Research-driven portfolios built from your plan.
Your plan defines what the portfolio is for, how long it has, and the risk it can reasonably carry. Those terms are written into an Investment Policy Statement you review and sign. Every change is recommended, explained, and made only with your approval.
Includes
- Individual equities, fixed income, and ETFs
- Institutional mandates and, where suitable and eligible, exempt market offerings
- Portfolio reviews against the terms of your Investment Policy Statement
- Each investment decision recorded with its date and rationale
03
Tax Planning
Tax efficiency built into every recommendation.
We model the tax consequences of each decision in your plan, from how your accounts are structured to how you draw income in retirement, and coordinate each year with your accountant, who prepares and files your returns.
Includes
- Account structure across RRSP, TFSA, RESP, non-registered, and corporate accounts
- Income splitting, where available
- Capital gains planning
- Salary and dividend planning for incorporated owners
04
Risk Management
Protection sized to what your plan needs to protect.
We look at what you and your family would need if the unexpected interrupted your plan, whether illness, disability, or the loss of someone you depend on. We account for the coverage you already hold and recommend protection for what’s missing. Coverage is arranged through licensed insurance carriers, with your approval.
Includes
- Life and disability insurance
- Critical illness and long-term care coverage
- A review of the coverage you already hold
- Corporate-owned insurance for shareholder agreements and estate transfer
05
Retirement Planning
Income designed to last as long as you do.
Your plan projects retirement income from every source, including pensions, registered and non-registered accounts, government benefits, and, for business owners, corporate assets. It sets out when and in what order to draw on each.
Includes
- CPP and OAS timing
- RRSP-to-RRIF conversion
- Withdrawal order across accounts
- Planning for a long retirement and rising costs, including income for a surviving spouse
06
Estate & Legacy
Wealth transferred on your terms.
We review your will, powers of attorney, and beneficiary designations against your plan, identify the taxes and probate costs your estate may face, and work with your lawyer, who prepares and updates your documents.
Includes
- Will, power of attorney, and beneficiary designation review
- Taxes and probate costs on your estate
- The role of insurance in your estate plan
- Charitable giving within your plan
Bring the pieces together.
Your financial life doesn’t exist in separate categories. Neither should the advice.
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