An overview of who we serve

As a business owner, you’ve built something you care about – and you want to see it last. We understand. After all, we’re entrepreneurs at heart, too, and we’re well-versed in the challenges and opportunities before you. As your financial partner, we help you further your own brand of success by giving you the confidence to focus on what you do best.

You’ve honed the skills necessary to prosper in the marketplace, and lived the unceasing commitment that is running a business. Like all business owners and entrepreneurs, you’ve learned that your personal and professional lives may intertwine in ways you had not anticipated. As your guide, we help you see all angles of the bigger picture – important things like passing on a legacy to the next generation and ensuring your workers have options for retirement planning.

Perhaps you want to reward your loyal employees and key staff members by setting up a company retirement plan, which can also help you plan and save for your own future. We can help you establish, manage and run the plan that is right for you and your company or nonprofit. We are involved with all aspects of the plan, including Investment Policy Statement development, investment recommendations, annual reviews and a high level of education for employees on site.

Having a business succession plan is also essential to business owners, as it can not only impact their own retirement, but the legacy they leave for their family. This important plan helps you address and resolve many important considerations. Should you transfer ownership to family members or employees or perhaps an outside party? Shouldn’t you have an orderly plan in place in the event of an incapacitating health event or death? How can you pull money out of the business in a tax-efficient manner? We help you answer these important questions and smooth the transition by building a succession plan to serve as your exit strategy.

We help you cut through the complexity of your financial situation to create, implement and manage an all-encompassing plan designed to achieve your goals – personally and professionally. Our solutions capitalize on our deep resources and insightful analysis and are customized to your needs. The result is a balanced plan interwoven with the details of how you picture your life.

As retirement grows ever closer, the looming reality may cause some uncertainty. When exactly should I retire? Will I have enough to maintain my lifestyle and still leave a legacy for my loved ones? Our view is that retirement should be a greatly anticipated milestone, not a cause for worry. Our goal is to help you not only prepare for retirement, but to have a realistic picture of what to expect.

We will help you set a reasonable budget for your non-working years and then show you different possible scenarios. For instance, what happens if the market has a downturn or if you have unexpected medical expenses? Or what happens if you increase your monthly withdrawals? This is designed to address your concerns and help you feel more confident about retiring.

There are many details to address, as well. We will help you review and understand your Canada Pension Plan options, and make sure we consider the level of risk in your portfolio and any outstanding debt you may have.

The point is, you can never be too prepared for retirement. We’re here to make sure you are ready.

We have specialised knowledge in serving a wide range of professionals, from doctors to dentists to veterinarians. We understand your unique needs to protect against liabilities and other risks; preserve your assets from excessive taxes; manage education debt and, finally, achieve financial independence.

You also have other priorities to save for, such as a home, a family, and retirement. We understand the unique financial issues you face and why it’s more important than ever to make smart financial decisions now to prepare for the future.

We help by designing a wealth management plan that addresses every important aspect of your practice and personal life, including everything from funding your children’s post-secondary educations to having an estate plan. We may collaborate with your tax and legal advisors when necessary, to help ensure a cohesive plan.

You can rely on us to provide customized guidance to manage and protect the wealth you’ve worked so hard for.

The need for financial planning doesn’t just end with retirement. People are living longer today, so the possibility of going another 30 years without a pay cheque takes careful consideration. That’s why it’s important to have an experienced financial team to help you with preserving your wealth, creating sustainable income throughout retirement and enabling you to maintain your lifestyle.

We can create a personalized plan designed to preserve your wealth and mitigate the impact of financial market risk, taxes and inflation. This includes having a sustainable withdrawal strategy to strike a careful balance between your need for monthly income and your desire to make your money last.

We will help you differentiate your essential living expenses from aspirational lifestyle expenses, manage your required minimum distributions and determine the most tax-efficient ways to draw income from your taxable and tax-deferred investments.

We will also collaborate with your legal and accounting professionals on a plan for your estate, and make sure you have the protection provided by life insurance and long-term care insurance. You’ve worked hard to arrive at this significant stage of your life: Our goal is to help you enjoy it.

More and more women are taking greater control over their financial futures, and we are proud to play an important role in guiding and advising our female clients. Many of the women we serve are busy professionals or business owners who realize they could benefit from having experienced financial guidance, or who may be experiencing a life-changing event such as divorce or the death of a partner. Our team is here to help guide them through the financial complexities.

There are many financial issues unique to women. Their careers may be paused when they have children, which can result in smaller Canada Pension Plan payments down the road. Women may find themselves caring for aging parents, and have to deal with the demands of career and family simultaneously.

Additionally, women have longer life expectancies than men, which raises the risk of running out of money in retirement. Furthermore, the death of a spouse can have major financial implications. There are medical bills and funeral expenses, and decisions to be made regarding matters such as life insurance proceeds, and the retitling of financial accounts. We are here to help them plan for moving forward with their lives.

To help women in marital transition, we guide them through the financial details of the divorce settlement process to help minimize surprises. Whether newly divorced or presently going through a divorce, we can assist women and their legal advisers with financial issues such as ascertaining the future value of retirement assets and pensions, and managing taxes. After a settlement has been reached, we work with you to create a plan to support your current lifestyle and pursue your future goals.