Individual Clients

We advise a broad range of clients including retirees, corporate executives, business owners, professionals, affluent families, clients in transition and do-it-yourself investors. We offer a range of financial planning services depending on your needs.

Retirement Planning

  • How much do I need to retire comfortably?
  • How much do I need to save for retirement? Am I on track to meeting my retirement goal?
  • When can I afford to retire?
  • When should I apply for CPP benefits?
  • When should I start withdrawing from my RRSP?
  • What happens to my RRSP once I turn 71?

Tax Planning

  • How can I minimize my family’s tax bill?
  • What accounts should I withdraw from first (my RRSPs or my non-registered investments), in order to cover my retirement expenses while paying the least amount of tax possible?

Financially-Assisting Children and Grandchildren

  • How can I help my children financially?
  • Should I set up an RESP for my grandchildren?
  • How much should I contribute to my child’s RESP to pay for post-secondary costs?
  • My child has special needs. Should I set up an RDSP for him?

Investment Planning

  • How much do I need to earn on my investments to reach my goals?
  • Do I have the right mix of investments in my portfolio?

Protecting Lifestyle

  • What would happen to my spouse and/or children if I become disabled tomorrow?
  • What would happen to my family if I died tomorrow? Do I have enough life insurance?
  • If I died today, how can I protect my spouse whose financial knowledge is limited?

Estate Planning

  • Do I need a will?
  • How much wealth will I have when I die and what’s the best way to distribute it to my heirs?
  • What is a power of attorney for property? Do I need a power of attorney?

Philanthropy and Legacy Planning

  • What’s the best way of leaving money to my favourite charity?
  • How can I create a lasting legacy?

Clients in Transition

  • Should I take the lump sum severance payment or the salary continuance?
  • Would I be better off with the lump sum commuted value of my pension or should I choose a deferred pension?
  • Should I convert my group benefits to a personal plan?

Business Owners

  • How can I take money out of my company and pay the least amount of tax possible?
  • Should I be receiving salary or dividends from my company?
  • Should I wind up my holding company?
  • What are my options regarding business succession planning?

For answers to these questions and more, please contact us by phone or email.