There isn’t a ‘one-size-fits-all’ solution to financial planning. Together we design customized financial solutions consistent with each client’s short and long-term needs and goals.

Our services for individuals include the following:

  1. Investment Planning 
  2. Retirement savings plans (RRSPs and RRIFs)
  3. Education savings plans (RESPs)
  4. Tax-free savings accounts (TFSAs)
  5. Non-registered investment accounts
  6. Guaranteed Investment Certificates (GICs)
  7. Annuities

Investment Planning

(Retirement Planning & Education Savings Plans RRSPs/RESPs)

Remember what they say about the best-laid plans? Life can take unexpected turns, and an adaptable financial plan means you can go with the flow. We will help you create a robust financial plan that can be modified according to your current and future circumstances.

As your life grows and changes, so should your investments. As you move through life, it’s essential to stop and reassess your financial plan along the way, incorporating new goals and lifestyle changes. We will work with you to create a balanced portfolio of investment options to help you reach your short-term and long-term financial goals.

Estate Planning & Generational Asset Transfer

You’ve worked hard for what you have, not only for your benefit but for others as well.

Unfortunately, incomplete estate planning often results in unnecessary tax payable upon death.

We can help you plan to ensure a smooth transfer of wealth, with minimum taxes and delays, to maximize the benefit you leave to your loved ones and charities.

Insurance and Risk Management

The biggest joys in life also create the biggest responsibilities.  Marriage, children and home ownership create financial obligations that can become a burden upon the death of a family member.

Life Insurance can help to ensure that your family will not be faced with added financial stress such as funeral costs, debt, estate taxes and selling a home. The right insurance strategy can provide loved ones with financial security for years to come

Preserve your assets for your beneficiaries by using a tax exempt life insurance policy.

Critical Illness & Disability Insurance

When a crisis hits your family and you realize that you need insurance protection, it’s usually too late to get it. Worrying about finances only adds to the stress. With the right Life Insurance and Living Benefits strategy you can relax knowing that proceeds and income replacement will be available when needed.

The Canadian Medical system is becoming increasingly overwhelmed. Long wait times following a diagnosis may threaten your chances of successful treatment. A settlement from a Critical Illness policy could allow you to seek otherwise unaffordable medical options abroad, pay for expensive medication not covered by your provincial or private health insurance, or fund an extended leave of absence for a loved one to assist in care and recovery.

Plans made today provide peace of mind in knowing that you and your loved ones are protected in the event of critical illness or premature death.

Long Term Care

The probability is high that at some point in your life, you may need to enter a Long-Term Care facility or receive special medical care in your home.

With the benefit that comes from Long-Term Care insurance, you can help ensure that you have the financial means to fund the standard and quality of care you desire and deserve when you need it most.