We provide financial solutions for all of your needs whether you
are employed, retired or a small business owner.We use a seven step approach
to ensure your financial freedom.The process is as
Identify current personal financial position
Devise a plan
Review the plan with you
Implement revised plan
Make adjustments along the
Specifically, we are able to offer
Financial & Estate
We listen to what your
needs and goals are. A plan begins with a mutual understanding how to achieve your goals and we help you meet
your needs and goals. A plan begins with a decision to start! Let us show you how to achieve Financial
To minimize or defer
income taxes payable, one requires a thorough understanding of Canada’s Income Tax Act. We have over 30 years experience in this
Savings Plans (also Group RRSP)
The Government is not
going to fill your retirement basket! You are with Registered Retirement Savings Plans (RRSP), Registered
Retirement Income Funds (RRIF), Guaranted Annuities, Individual Pension Plans (IPP’s…for business
owners). Take advantage of tax
savings and tax deferred growth on your investments.
Let us show you how you
can save taxes and benefit from tax efficient investments with your Corporation or Business. How we can help
you plan and solve these problems of taxation in the corporation or business.
Learn how you can save
taxes and leave a legacy to your favourite charity, help organizations you respect.
An investment in
Segregated Funds can be Creditor Protected and your money can be Guaranteed. If the
markets go down, your initial investment will not.
Universities and Colleges
are expensive and getting more so every year.
Have you an RESP for your
children or grandchildren in place? Enquire about how the Government gives you 20% free
Funding For Buy-Sell
Business Partnership/Shareholder Agreements
Part of the shareholders’
agreement provides conditions for the sale of shares. What are the benefits of this agreement? How can you
fund the Agreement?
(Criss-Cross Method /
Promissory Note Method /CorporateRedemption
Wills and Powers of
Attorney Planning(in conjunction with a
Does the business in its
current structure and method of operation meet your needs and expectations for the future? If not what would
you like to see in place or changed? Is your will up to date? Do you have a will? Who will handle your
wishes and your financial affairs, should you be incapacitated?
What are the needs of
your family and yourself? What are the needs of your business? Life insurance is a vital tool and
we can help by tailoring a plan according to your requirements.
Protection (Return of Premium)
In case you will become
disabled, how will your Business and your family cope? Most self-employed people realize that in the case of
a disabling accident or sickness they run the risk of placing their Business or Family in serious financial
stress. Most of us don’t have the time to research for a solution to fit our needs. We can do that for you. A
well designed disability protection plan replaces your income should you be unable to work due to sickness or
In case, you never
process a claim you can have Return of Premiums. Like money in the bank, what you paid will be returned to
you if that is what you choose.
Group Plans are available
for as few as 3 employees. This can include the owner and partner(s). Members covered for medical and
dental expenses, drugs and prescriptions, short term and long term disability, living benefits and Life
Critical Illness ( Return
of Premium) and Long Term Care Insurance
protection for individuals, families and business owners
Diagnosis of a critical
illness can create financial and emotional strain on anyone and their families, even a business. It is
difficult to predict who might be affected, but with a well-crafted financial plan, which includes critical
illness insurance, you and your loved ones can be protected from the unexpected costs.
It is never too early to
think of Business Succession. Not only will it giver you peace of mind, but can also inspire your family and
employees. We can help you through this very important process, if you do not have a plan in
What are your succession
goals? How are your personal finances secured? How are your family finances secured? How is the
long term viability of your Business secured? Have the tax issues on the personal and
corporate/business level been considered?