Building Wealth
Inspired Lifestyle Planning meets experienced Financial Management
Plan for the future.
Whether stand-alone or as part of the Financial Plan action steps to build and protect your wealth, I have access to a multitude of vendors to suit your unique situation.
Building and sustaining your personal wealth (8 photos)
RRSP, TFSA, Non-Registered, RESP, GIC, RRIF, LIF, Life annuity
Protecting your personal wealth and legacy building (8 photos)
Term life insurance, critical illness insurance, disability insurance, long term care insurance, personal health insurance, travel insurance, segregated funds, permanent life insurance
Making the most of your Corporate Wealth (8 photos)
Participating life insurance, Universal life insurance, business owner insurance, CIRP strategy, IFA strategy, Corporate class mutual funds, Buy-sell insurance, corporate CI strategy
Building and Sustaining Personal Wealth
As part of implementing the Financial Plan or as a stand alone plan, I help you with the following:
Asset Allocation
There is significant research that shows over 90% of long term returns is driven by asset allocation and as such, it makes up an important component in my investment approach. I being by looking at your overall long term, strategic asset allocation.
Asset Location
Different investment triggers different tax considerations, both at the time of accumulation and at time of decumulation. As you and I discuss the goals of each type of investment you have, we will explore this to decide the best Asset Location to keep your money in your pockets, rather than the Taxman's.
My specialty is the
Sleep Well Strategy
Not a typical 60/40 balanced fund
Investment holdings are like a bar of soap: the more you touch it the faster it disappears. This thinking steers me away from Balanced Funds, because I like to re-balance only the portion of the portfolio that is absolutely necessary.
I construct portfolios by putting together the right amount of Equity and Fixed Income funds, according to your risk tolerance and our discussions of what makes sense. We will take into account diversification and dollar-cost-average strategies. To avoid my personal bias, I utilize a proprietary tool that tracks money inflows and outflows from the market over a rolling 12-month period.
I offer the most value to:
Newly Retired
Retirement income planning has been the anchor of my business for the past decade plus, where I provide customized advice to help answer these questions:
Will I have enough to live?
Which pension distribution choices are right for me?
How do I minimize taxes? When and how should I liquidate my investment holdings and property to balance cashflow and tax consequences?
How much can I leave my family? Will they be ok when I die?
Small Business Owners
Entrepreneurs are primarily focused on building their businesses, with their personal financial planning a distant second priority.
If you have passive income inside your corporation, there are investing planning considerations to reduce the heavy tax implications for growth and impact to your small business deduction.
Strategies to transition the corporate income to your personal income in a tax efficient manner while leaving a legacy for your family and allowing flexibility for ongoing investments.
Let’s talk CIRP, Corporate class mutual funds and TSwps.
Young Families
Life transitions begin early in life. I empower and support my clients to make smart, informed money decisions so they can thrive and focus on living the life that's important to them. I partner with my clients to answer questions like:
Can I buy a home?
Will my family be ok if something happens to me?
How do I protect and build wealth?
How do I save for retirement?
Can I still have some fun?
Ready to plan your future?