Investment & Asset Management

• Goal setting and Required Rate of Return
• Asset allocation based on personal goals and objectives
• Ensuring investment selection is in line with goals & risk tolerance
• Tax efficiency of Investments
• Fee Analysis
• Continuous Monitoring and goal checks

Your financial portfolio is important to you, and us.   Depending upon your needs and circumstances we will design a plan for accumulation of assets, consolidation of assets or “de-cumulation” of assets.

There are so many different factors involved in investment management like risk profile, investment objectives, time horizon, income requirement and your personal situation and goals.

We will devise your plan just for you.

Risk Management & Needs Coverage

• Income protection
• Asset protection
• Family protection
• Estate protection
• Travel insurance

How do YOU see risk?   What are your expectations about future risk and return levels?   Some people have expectations for high returns but do not want to take a lot of risk.   In today’s market it is not realistic to achieve huge gains without high risk.   Using the five pillars of Navigator360° to identify risks and weaknesses in your personal financial plan our team will evaluate your risk level and, in conjunction with your life goals determine how much risk is appropriate for you.   Once identified we can suggest solutions to insure you and your family against catastrophic loss.

Tax Minimization Strategies

• Tax efficiency of investments
• Tax deferral
• Tax conversion
• Passing assets through your estate
• Income splitting
• Intergenerational transfer

**Tax minimization strategies abide by rules set forth by the CRA and may require us to work along side a Chartered Accountant.

Where your money is invested, is just as important as how your money is invested.   We seek to invest our client’s assets in the most tax efficient manner possible.   This may involve working with your professional accountant or referring you to ours.

Estate Planning

• Legacy Planning
• Inheritance
• Intergeneralational transfers
• Estate Bond
• Gifting to Children
• Trusts
• Charitable donations

**Some Estate Planning strategies may require the involvement of a legal professional.

Do you have a Will?   Do you need one?   Is your business a partnership?   Whether it be for corporate purposes or personal reasons such as the provision of a Will, we often need the use of competent legal services in order to complete our clients’ financial plans.  

Corporations and Businesses

• Business Risk Management
• Investment and Asset Management
• Group RSP
• Tax Efficiency of Business Income
• Group Benefits

Retirement Planning

• Retirement Income Projection and Analysis
• Pension Analysis
• Severance
• TFSA or RSP
• Goal Setting
• CPP and OAS Analysis