The Foundation of Wealth Management
We are committed to delivering a financial plan to each of our clients.
A written financial plan will help provide answers to the following questions:
- How much capital do you need to accumulate in order to be able to retire comfortably and stay comfortably retired?
- Will you outlive your money?
- Should you consider an IPP instead of an RRSP? (Business owners and incorporated professionals only)
- When should you convert your RRSP to a RRIF?
- You are receiving a lump sum - should you pay off your mortgage or invest the proceeds?
- When should you take your CPP (Canada Pension Plan)?
- Are there any opportunities to protect your OAS (Old Age Security) pension from a claw-back?
- In what order should you draw down your assets in retirement (Non-registered, RRSP, TFSA, Holding Company) and what are the tax implications?
- When should you take money out tax-free from your CDA balance in your holding company?
- Are there any income-splitting opportunities through a family trust?
- Should you consider setting up a charitable foundation?
- How to allocate your investments in the most tax-efficient manner
- How would a market correction impact your ability to retire comfortably and stay comfortably retired?
- What is the required rate of return on your portfolio for your retirement objectives to be achieved?
- How to achieve this rate of return with the least amount of risk
- How much of your estate will be shrunk by taxes?
- How do you transfer your wealth to the next generation in the most tax-efficient manner?
