Priority is placed on using the most tax-effective tools available, including Registered Retirement Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plan, Tax-Free Savings Accounts and an exhaustive array of non-registered investment vehicles.
Our Services
Providing financial advice throughout all of life's stages.
Comprehensive life and critical illness insurance solutions ensure
peace of mind and help preserve wealth for future generations.
National Bank of Canada professionals are at your service to provide credit analysis, traditional and online banking, and an exclusive private banking offering.
To augment employer-sponsored and government pension programs, a
reliable income stream is created using both registered and
non-registered assets.
A well-structured will and the prudent use of trusts are essential
for a smooth and tax-efficient transfer of wealth.
Portfolio Management
My primary duty as a Wealth Advisor is to manage my clients’ portfolios. This process begins with allocating funds to various asset classes based on one’s individual circumstances and tolerance for risk. Securities are then chosen within each category using strict investment criteria. Finally, the portfolios are continuously monitored and evaluated in light of market movements and other economic considerations.
Our approach
When it comes to fixed income my philosophy can best be described in two words: safety first. This can be achieved through government bonds, top-grade corporate bonds and structured products that include a guaranteed return of capital. Also, National Bank Financial has access to guaranteed investment certificates from financial institutions across Canada, thereby providing our clients with the highest interest rates available at all times.
I build stock portfolios using a classic value approach to both mitigate risk and increase the probability of superior returns. Companies are first screened according to earnings, cash flow, dividends and financial health. I then rank them for attractiveness by studying the full-length reports of some of the leading independent analysis services in North America. When appropriate, overall returns may also be enhanced using options-writing strategies.
Mutual funds are an excellent way to achieve instant diversification across many asset classes. I consult the offerings of banks, insurance companies and independent fund companies to create a list of top picks in each category. My bias is for managers who employ a value or dividend style, paying particularly close attention to performance during volatile periods.
A vast selection of discretionary portfolio alternatives is available for clients who do not have the time or inclination to be involved in the decision-making process. Third party solutions range from managed baskets of concentrated securities to the institutional methodology of our private wealth management team. One can also opt for a custom-built approach using the asset classes and criteria outlined above.
Insurance Planning
Insurance products³ are paramount in helping mitigate the very serious financial consequences of an untimely death or illness. They are used extensively in the long term planning strategies of individuals and small business owners.
Life Insurance
The proceeds of a life insurance policy are used to cover the costs of funeral arrangements, pay down debt or create an asset pool to replace the income lost by the passing of a primary provider. The goal is to reduce financial hardship for those left behind
Life insurance proceeds can cover some or all of the tax liabilities that are triggered upon death, thereby leaving more of the estate intact for one's heirs. Many individuals have also used life insurance as a way to create a legacy through charitable giving.
The tax exempt status of life insurance and the surplus cash in a corporation combine to efficiently transfer wealth to one's heirs. Similar strategies are also used for individuals who are not business owners.
Life insurance contracts are the most cost-effective way to finance buy-sell agreements between business partners.
Critical Illness Insurance
While disability insurance is a valued form of protection, it does come with its limitations. These include a cap on the amount of coverage, the lack of a lump sum payment and the sometimes arduous process of qualifying for benefits. Critical illness insurance coverage is used as a supplement to disability insurance and the payout is based on a clearly defined set of criteria.
A debilitating illness is often accompanied by unprecedented medical expenses. Critical illness insurance benefits can help alleviate this financial stress.
Even if the expenses from an illness remain manageable, the payout from a critical illness insurance policy can provide the peace of mind that comes with a ready cash balance in one's bank account.
Estate Planning
Estate planning² is the process of making important decisions regarding the disposition of your property not only upon your passing, but also during your lifetime. The objective is to ensure that the liquidation of your assets is carried out without complications for your loved ones and in an organized fashion that is in line with your priorities and wishes.
Main Considerations of a Good Estate Plan
A notarized will is, without a doubt, the key element of a judicious estate plan. Enlisting the services of a notary provides you with expert advice and ensures that your wishes are clearly expressed. A notarized will is difficult to contest and is enforced immediately upon death, without requiring additional procedures before the court.
A protection mandate in anticipation of incapacity allows you to designate one or several individuals who will see to your well-being and the administration of your assets if you are no longer able to do so. Once again, it is best to have your mandate notarized to ensure greater security.
A trust is a legal instrument to which you transfer part or all your assets, while living or upon death, and is administered according to your instructions. It can be effective in shielding certain assets against possible creditors or liability lawsuits. A trust also helps protect your beneficiaries by controlling how your assets are distributed, both immediately and over time.
Using one's assets to benefit charitable, philanthropic or educational organizations is a meaningful consideration for many individuals. Several options exist to help fulfill this desire, from lump sum payments to the use of endowments.
The various choices one makes in the distribution of assets come with their own distinct tax consequences. These must be understood and considered before a final decision is made.
- Financial Planners are authorized to act in the field of
Financial Planning. They exercise their duties for National Bank
Financial Inc., a financial planning firm.
- We
work closely with the Taxation, Retirement and Estate Planning Team
from National Bank Trust, made up of multidisciplinary experts who
provide knowledge and advice that complement our service offering.
These experts assist us in providing the best solutions for your
personal finances related to taxation, retirement and estate
planning.
- Insurance products and services are
provided by National Bank Insurance Firm (NBIF) or by NBF Financial
Services (NBFFS), as applicable. NBIF and NBFFS are not members of
Canadian Investor Protection Fund (CIPF). Insurance products are not
protected by CIPF.
- Financing solutions are
subject to credit approval by National bank.
- For details and conditions of the offer, please contact your advisor.
