We help affluent Canadians, with a diverse range of personal and professional goals, manage the changing needs of their wealth. Whether you are a soon to retire executive or have a growing farming business, our team has the expertise to bring clarity to the complex. We’ll create a plan that’s tailored to you, evolves with you, and considers every aspect of your financial well-being. Our clients include:

Retirees

You have spent your working life accumulating wealth. Now you are getting ready to move to the next phase, which will involve a fundamental change in how you view and manage your wealth.  We can help you address several realities:

  • Canadians are living longer than ever – many into their 90’s – increasing the risk that you may outlive your money, making the task to maintain your lifestyle more difficult.
  • The timing, or sequence of returns throughout your retirement can have a significant impact on the success of your planning.
  • Strategies for reducing your tax bill over time will make your money last longer.
  • Your ability to leave a legacy depends on a well-thought-out plan.

Business Owners

As fellow business owners, we understand your needs and are here to help.  Whether you are just starting out or have an established business, we can help you maintain your lifestyle now and throughout your retirement.

Building wealth goes beyond running a strong balance sheet and showing profits each year.  We’ll work with you to ensure your business structure:

  • Is flexible enough to accommodate changing objectives and family dynamics.
  • Maximizes the after-tax dollars on a future sale or reduces the tax cost of a transition to the next generation.
  • Allows for the tax-efficient accumulation of non-business investments to generate income long after you have moved on from your life as a business owner.

Healthcare Professionals

We offer practical investment and tax management insights that are relevant to your needs as a healthcare professional.  By bringing together an integrated team of tax accountants and lawyers to identify and optimize tax-saving opportunities, we can:    

  • Ensure that your practice is structured to maximize wealth accumulation now and tax efficient income in retirement.
  • Protect your most valuable asset, which is the income generating potential you have acquired through years of training and experience. 
  • Build a plan that allows your family to enjoy the fruits of your work now without putting your vision of retirement at risk.

Executives

As an executive, you may be surprised at how the complexity of your taxes, investment portfolio and compensation structure has evolved over your career.  Proactive wealth planning can help you explore all your options, so you can prepare for your future and live on your terms:

  • Looking to the long term and how you will use your wealth down the road.
  • Reducing your taxes by taking advantage of retirement, health savings, and educational savings accounts while still putting money aside for your and your family’s current and future use.
  • Being realistic by planning for an early retirement. The challenges of an executive position (including business travel, long hours, and other stresses) may lead you to consider retiring earlier.

Families

We believe that strong communication between different generations is critical because as the values and goals of all members are heard, conversations among them become easier.  

We can help guide you through these conversations.  Our role in serving multi-generational families includes:

  • Guiding Clients To The Most Tax-Advantaged Ways To Pass Along Wealth That Match Their Current Goals.
  • Helping the next generation understand the impact of sudden-wealth events (such as inheritances) and how to prepare for them in advance.
  • Careful and ongoing management of your family’s wealth, which allows family members to focus on their life goals knowing their wealth management needs are in good hands    

Agriculture & Farming Families

Many of our team members come from farming families, and we deeply understand the unique needs of the farming and agricultural sector.  We’ve served a range of clients from farm owners to large agri-business companies as well as producers and processors.

With a comprehensive wealth management strategy, our team can help you navigate and plan for needs that may include:

  • Economic and fiscal factors such as changing government policy, global competition, difficulty in accessing capital, and price volatility.
  • Family dynamics and succession planning
  • Life and business insurance structuring
  • Incorporation