Comprehensive, Objective Personal Financial Advisory Services

Our personal financial planning services are especially focused on the needs of senior executives, business owners, professionals and high net worth individual investors. These clients share a level of complexity in their financial situations particularly in their tax planning needs and opportunities. They also tend to have strong financial resources and a high level of demand on their time and energy. To help them manage their complex financial situations and to make the most of their financial resources, respecting their busy schedules, we provide integrated financial advice and promote the success of the planning by focusing on implementation of recommended strategies.

Comprehensive Financial Planning

Our comprehensive planning service includes the following:

• Comprehensive initial financial plan providing optimization strategies covering all areas of planning as follows:
• Cash flow and debt management including allocation of projected surpluses;
• Tax planning including strategy development for income splitting, stock option management, tax deferral and international concerns;
• Financial independence/retirement planning;
• Investment planning: strategy and review;
• Risk management and insurance (sufficiency of risk coverage plus review of product options);
• Estate planning including tax planning at death and review of wills and powers of attorney;
• Capital needs and special commitments: education funding, business interests, second property charitable gift, etc.
• Development of a detailed time sensitive Action Plan (what should be done, by whom, by what date, for what financial result); and
• Assistance with ongoing implementation of Action Plan to the extent agreed upon by the client.

Personal Planning for Business Owners and Business Professionals

We have spent many years working with business owners and professionals. Our comprehensive planning service incorporates the knowledge we have developed from this experience to help self-employed individuals, professionals, shareholders and key employees develop financial independence, by:

• Protecting against risks, including business risks
• Examining and evaluating corporate structure to maximize capital gains exemptions and minimize taxation;
• Planning and managing cash flow;
• Evaluating shareholders' agreements and methods of funding;
• Ensuring that owner/manager remuneration allows for building wealth outside the business, including maximum retirement funding contributions through RRSPs, RCAs or IPPs and ownership of personal and business real estate
• Providing cost/benefit analysis of employee benefit programs;
• Examining and evaluating business succession planning options; and
• Recommending strategies to transfer business assets to family members or employees.