Integrated Advice

Integrated Financial Advice is what makes us different from other financial services companies in Canada. By combining tax, investment management and estate planning advice we can ensure that your financial strategies complement and enhance each other's effectiveness. In planning your financial affairs it is important to get the best professional advice in many different areas. We believe that additionally it is most important that all of your professional advice is integrated so that strategies work together, not against each other, helping you to optimize your financial situation. The best way to do this is to have the same small group of experts handling all of your financial needs in one place. That is what we strive to do for our clients every day at Kerr Financial.

Working with us, you gain the advantage of having all your personal financial needs met through one firm and one relationship. That means that the right hand does know what the left hand is doing and both hands work to your advantage, to help you and your family achieve your financial goals.

Examples of where integrated advice adds value:

• Integrated Tax & Investment Advice - if the same group of professionals manages your investment assets, prepares your tax return and advises on tax instalments they can take best advantage of realizing capital gains & losses as required, structuring your portfolio to have the right assets in each account depending on its tax rate and ensuring that you pay the right amount of instalments to avoid penalties but not pay more than necessary;
• Integrated Tax, Investment and Accounting Services - if the same advisors manage your holding company portfolio and provide accounting and corporate tax work for the company then they can work together to structure investment income and trigger gains to take advantage of creating tax free capital dividends or paying dividends that provide greater dividend refunds inside the company than the tax you pay personally on the dividend income;
• Integrated Tax Planning & Investment Management - if you have loaned low tax rate family members money directly or through a trust, at CRA's prescribed rate then it is important for your investment advisor to ensure that the income on the invested portfolio exceeds the interest on the prescribed rate loan and that loan interest is paid on time.
• Integrated Tax Planning & Investment Management - if you can take advantage of significant tax credits for medical expenses or charitable donations then your investment advisor should work closely with your tax advisor to make sure you don't waste those tax credits - you should realize capital gains and bump up the tax cost of your investments in years when you will pay little or no tax.