How We Help Individuals and Families

We believe in comprehensive wealth planning, to help individuals and families plan for and meet their goals over their lifetime. Our unique planning tools help clients live today to the fullest, while following a plan for tomorrow evolves with them.

Listed below are the most common questions and focus areas at each stage of our clients' lives.

Focus In Your 20s

 
  • Building your human capital
  • Managing student debt
  • Start saving for retirement (RRSP)
  • Get comfortable with investing
  • Build and use credit strategically
  • Understanding tax preparation
  • Disability Insurance
  • Power of Attorney
  • Will & Estate Planning
  • Purchasing a vehicle
  • Begin building an emergency fund
     

Focus In Your 30s

 
  • Reassess your financial goals
  • Marriage & honeymoon finances
  • Managing finances and taxes as a couple
  • Preparing for a family (Wills, RESP, Life Insurance)
  • Managing cash flow and Maternity leave
  • Deciding between car leases and loans
  • Purchasing a new home
  • Dealing with a large mortgage
  • Contributing to RRSP vs. paying down mortgage? Or vacation!?
  • Renovate or buy a larger home?
  • Upgrading life, disability, critical illness and travel insurance
  • Tax planning for stock options, executive compensation

Focus In Your 40s

 
  • Taking care of aging parents (Powers of Attorney)
  • Getting more serious about retirement planning
  • Paying for kids to go to University
  • Changing careers?
  • Investing in RRSPs vs. Real Estate and other advanced strategies
  • Using family trusts and corporations for advanced planning
  • Spousal loans, income splitting and other considerations for families
  • Teaching your teenagers about money
  • Purchasing investment or vacation properties
  • Healthcare planning for parents
  • Portfolio design options for High Net Worth investors
  • Coordination of tax, legal and investment advisors
  • Guidance for starting your own business

Focus In Your 50s

 
  • Retirement planning becomes a primary focus
  • Strategies for managing income subject to top tax rates
  • Helping children learn about money as they gain independence
  • Managing RESP withdrawals in a tax-efficient way and paying for post-secondary education
  • Helping aging parents plan their estates
  • Settling the estate of a parent






     

Focus In Your 60s

 
  • Design your portfolio to provide tax-efficient income during your retirement
  • Budget your spending
  • Review insurance to make sure you have the right coverage for your situation
  • Understand how to come out ahead with CPP and OAS
  • Plan effective ways to help your children and grandchildren financially
  • Ensure your Will and Estate Planning is up-to-date

Focus In Your 70s

 
  • Updating estate planning to make sure your family is protected and smart about taxes
  • Proactively planning for illness or death of spouse
  • Options for downsizing real estate
  • Planning to transfer wealth to younger generations
  • Managing the income stream from investments
  • Understanding tax implications of your portfolio and government benefits
     

Focus In Your 80s

 
  • Guidance on Estate Planning and helping heirs navigate the Executor process
  • Paying for healthcare costs and assisted living
  • Maximizing the impact of Charitable Giving
  • Helping heirs make prudent long-term decisions with an inheritance
  • Understanding tax implications of different types of investments and accounts (RIFs, LIFs, etc.)
  • Coordination of tax, legal and investment advisors
  • Guidance for starting your own business

If you think it would be helpful to discuss your financial life and goals, contact Chris today to schedule a no-obligation phone call.