There are a lot of different plans that must be identified, addressed and ultimately integrated:
Risk Management Plan
We assess the risks you face in such areas as life, health, disability, long-term care.
Income Tax Plan
We review your tax returns, analyse your current and projected income tax exposure, and make recommendations on how to reduce your future income tax liability.
Strategic Asset Allocation
Assistance in outlining wealth objectives, defining risk tolerances, determining capital and income needs, and establishing risk and return expectations in order to construct strategic asset allocations that incorporate diversification techniques into a tax efficient portfolio.
We project your cash flows from now until the end of your working life and estimate the potential shortfall, if any. We can then show you the effect that different changes you could make in your life (such as how much you invest per year, and how you allocate your portfolio) would have on your odds of success.
We thoroughly analyse your current portfolio, provide an extensive review of existing investments and help you develop investment objectives, write a detailed investment report based on your investment policy and preferred risk level, and design a portfolio of specific collective funds. During this process, we show you how to eliminate unnecessary risk, minimise taxes and expenses, and generate any currently needed income.
We design a plan to achieve your estate planning objectives, such as minimizing estate taxes while ensuring that your estate will be distributed according to your wishes. We ensure that all the necessary estate planning documents (wills, beneficiary designations, trusts, powers of attorney, etc.) are present and in order. We also review any current liquidity or business succession plans and make recommendations as appropriate.
We can provide counseling, guidance and/or resources for you. We want our clients to know that they can call on us with any and all of their financial concerns. Clients are encouraged to call us when they have a major life event, such as a new job, a baby, a marriage or divorce, or if they are planning to buy a new home or start their own business.