What We Do and Who We Do It For:

Our Services:

We understand that everyone’s life is different and filled with twists and turns along the way. Creating a investment plan is a personal evolution that needs to incorporate many tools and technologies that adapts with you and your evolving needs. Our personalized, process will help you evolve as you move to and through your life stages fluidly and seamlessly, reducing your long term financial anxiety along the way.

Early Years:

These years are primarily focused on setting up the financial pillars for future success. Implementing core financial knowledge, implement first accounts, determining philosophy and beliefs, getting your habits and financial path in place. Areas of strong consideration:

  • Debt Consolidation
    (student loan and consumer debt support)
  • Early Life planning - Wedding, First Homes, Special purchases
    (Cottage, Cars and other)
  • Budgeting and Cash Flow Mgmt
  • Insurance Needs Planning

The Planning Years:

These years are defined by establishing financial roots, family planning and growing income, education and established assets. Meaningful accounts, assets and savings will start to show for the first time, active and ongoing planning will start to guide success. Core conversations on:

  • Household Budgeting
  • Long term accumulation planning
  • Tax planning / income maximization
  • Second home, upgrades, risk management
  • Insurance review and income protection

Decumulation Planning – Pre-Retirement:

These years can be defined more for late stage planning and what we plan to do with our wealth accumulation. Serious and deeper conversations about; Location (balancing connecting and climate), Vocation (What we want to do), Vacation (Where we want to go). Core aspects of this part of the process will involve:

  • Down sizing and Right Sizing
  • Preparing your financial affairs for retirement
  • Detailed and documented estate planning
  • Business Succession and Out-Corporating
  • Inheritance and Outside Asset Strategies
  • Pension planning and income assessments

Retirement and Legacy Strategies:

These years are usually broken up into several stages based on your pre-retirement plan and familial expectations. The core parts of this planning process focus on, decumulation and income management as well as future care preparation:

  • Income longevity strategies
  • Senior Care and Long Term Support
  • Unwinding assets, businesses and setting up legacy programs
  • Tax efficient wealth transfer and enhanced charitable giving
  • Preservation of Capital
  • Insurance Planning for Estates