Who We Are

We are a financial planning organization located in Ontario. We started the firm with the idea that people need clear and objective advice that will make them better stewards of their wealth. Our organization is independent. We are not part of a bank, insurance company or a Bay Street corporation, and we have no proprietary conflicts of interest.

We always put the interests of our clients first and take great pride in the quality of our work.

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We recognize that trust is the foundation of all aspects of our business and being trustworthy is crucial to our very existence as an organization. We value the trust that is placed with us when clients take our advice, and we constantly work to enhance and preserve it. Our reputation is one of our greatest assets – as long as we continue to serve our clients with integrity, transparency, and commitment, our success will follow.

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What We Do

We provide customized financial planning to help our clients grow their capital and facilitate their short- and long-term financial objectives. Our wealth advisors work with a diverse range of individual retail clients, small businesses, and recent retirees.

Our value proposition rests on attentive client service, comprehensive risk management, and the ability to identify unorthodox solutions to complicated situations while taking into account our clients’ unique circumstances.

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We Are Trusted by Clients across Canada

 

Our clients come first, and we work hard every day to ensure our clients achieve their goals. We believe that the client-advisor connection is a two-way relationship. By adhering to all our business principles, we continuously build trust with our clients and enhance their financial well being. Integrity, transparency, and our work values are at the core of what we do every step of the way.

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Our Clients

We deliver the greatest value when we focus on complex situations that require our expertise. Our typical clients are business owners who are looking to simplify their finances, corporate executives, and professionals who are either retired or want to know they could retire one day.

We work with diligent savers who want to delegate their financial and retirement planning to an expert, so they can focus on the other aspects of their life that matter most to them. We also help professionals who want to increase their savings by having a dedicated team build and monitor their plan.

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Corporate Professionals and Executives

As a corporate executive, you have distinct financial needs that change and evolve over time. Your personal wealth will be inextricably linked to the fate of your company. Your investment portfolio may be heavily weighted towards employer stock and stock options that are subject to frequently changing rules. You most probably spend so much time at work that you have little left over to focus on your retirement income plan.

Whether you are accumulating wealth through various group plans, or are saving mostly through non-registered accounts, our advisory team can help guide you through the development of a comprehensive financial plan.

Tax Planning

From growing your assets, to managing them in retirement, taxes can have a meaningful effect on your finances. Through our tax planning services, one of our wealth advisors will work closely with you and your chosen tax professional to incorporate tax planning into your overall financial plan.

We can help you explore strategies to minimize taxable investment income and take maximum advantage of tax-deferred savings.

Retirement Compensation Arrangements

We can help you maximize the value of executive compensation plans. Whether your compensation plan includes restricted stock, options, deferred compensation, or retirement plans, we have the expertise and experience to help you make informed decisions to maximize its value while minimizing taxes and managing overall risk. We also assist those who are internationally mobile and might have assets spanning more than one jurisdiction, and as a consequence might have more complex wealth planning needs.

Early Retirement

Working as a corporate executive is a critical yet exhausting job filled with client meetings, travel and stress. It is possible that you end up retiring early either because of career shifts or simply because you are tired. In addition, thanks to medical advancements and longer life expectancies, retirement can last as long or even longer than your working years.  Regardless of what your goals are, we could help you understand and mitigate the risk of running out of capital in retirement.

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Recent Retirees

We provide retirement income planning services to retirees and those preparing for retirement. Our advisors work closely with individuals and families to identify their retirement income goals and create a plan to achieve those goals while managing risk appropriately. We’ll design a roadmap that projects the income you have today and how long you will need it to last in the future, together with strategies that can provide a regular income stream and help finance any potential medical care costs.

Once we’ve taken the time to understand your retirement goals, we can implement proven, time-tested strategies to help you protect your savings and enhance your after-tax income so you can live the retirement lifestyle you want.

Retirement Income Timing

One of the easiest ways to improve the probability of a successful retirement outcome is to focus on the factors you can control. If you live in Canada, your biggest individual retirement expense will be the tax you pay on your retirement income. Our advisors can help you assess when to trigger your government pensions and how to combine them with income from savings and investments accounts in order to minimize unnecessary tax.

Tax and Estate Planning

By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a lasting legacy for your family. Our advisors can help you preserve your assets and ensure they are managed the way you intended. We will work together to create a personalized estate plan that meets your needs, as well as the needs of those you love.

Strategy Selection

Standard guidance on strategy selection does not vary significantly for people who are employed and saving for retirement. Closer to retirement, however, one-size-fits-all recommendations will not be sufficient. Some retirees should have a more balanced plan while others should have a more aggressive strategy. Having the correct balance between income and growth will be essential to make sure you never run out of capital in retirement. Our advisors can work with you to create the most efficient plan based on your particular circumstances.

Business Owners

Whether you already own a business or plan to start one, the decisions you make will have far-reaching implications for yourself and your family. A business consumes a large portion of your resources, time and attention throughout its lifetime, and your family’s financial security will depend on its success.

Planning for the future can protect the business you have worked so hard to build, help you achieve your business goals, and ensure your future prosperity. Your Private Wealth Advisor can introduce you to innovative, yet pragmatic solutions, wherever you happen to be within the lifecycle of your business.

Income Planning

If you have set up your business as a corporation, you can choose what type of compensation you wish to receive. You can pay yourself a business salary, receive dividends, or use a mix of both. However, there are advantages and disadvantages to receiving a salary versus dividends for business owners. Therefore, it is important to determine the type of blend that best accommodates your financial situation. We can help you evaluate the optimal mix of salary and dividend, and create a long-term savings strategy to finance your retirement.

Pre- and Post-sale Planning

When it’s time to exit a business, we can help from the initial stages of assessing ownership structures to evaluating financing solutions to facilitating the sale in accordance with your goals.

Afterwards, we can guide you with managing and investing the capital proceeds. Selling a business involves multiple moving parts, and we will help you outline each of them, analyze them in the context of the big picture, and manage them appropriately.

Tax and Estate Planning

The decision to exit a business can be very complex and could be aided by the use of tax-efficient structures, such as trusts and insurance instruments. We can help you understand your options and better facilitate your wealth preservation and legacy goals.

Professional Network

We can connect you to key specialists in various financial services areas, as well as third-party referrals within the accounting and wealth management industries.

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