Our services

A well constructed portfolio provides peace of mind.

• What is the most effective methond to turn your investments into income?
• What investment products best suit your investment goals?
• What is the best type of account to use to invest your savings?
• Are you overwhelmed by investment choices to the point of  paralysis?

Plays a valuable role in protecting, growing, and transferring your wealth.

• In the event of a long term disability, critical illness, or death, what are the income needs for your family, farm, or business?
• Can insurance be used to provide flexability in your long term strategic plan?
• Do you require liquidity in your estate plan?
• Is preserving your estate value important to you?

While taxes are one of lifes certianties, do you really want to pay more than you should?

• Are you utilizing your registered investment accounts (RESP, RRSP, TFSA, RDSP, IPP, etc.)?
• Can you maximize your families inter-generational tax-free capacity?
• How do you recieve income tax efficiently?
• If you hold U.S. situs assets do you have a potential U.S. estate tax issue?
• Do you own shares in a private corporation which may have tax implications in your estate? 

A look at where you are at today and a plan to get you where you want to go.

• How do I draw down my assets to provide the most efficient retirement cash flow?
• Is most of your net worth tied up in your farm, or business?
• How do you unwind your business structure as your transition into retirement?
• In the event of death, what tax liabilities arise?
• Does your business have a unanimous shareholder agreement (USA) and is it funded?

"Legacy. What is Legacy? It's planting seeds in a garden you never get to see." - Lin-Manuel Miranda

• Do you have a current will? A power of attorney? A personal directive?
• Is anyone financially dependant on you now? Do you think someone may be in the future?
• Have you developed an estate plan that clearly indicates how ownership of your business will be distributed amoung the next generation? 
• If any, what arrangements have you made to provide estate equalization to different members of the family?

Ensure maximum benefit to the charity, while recieving significant tax and estate benefits:

• Do you own assets that carry significant sentimental value?
• Are there people, charities, or causes that are important to you?
  
• Should you fulfill your philanthropic desires while you are alive?
• Have you considered the most effective way to accomplish your gifting? Does it include the gift of life insurance, real estate, securities or other?
• What are the tax benefits of gifting to a charity and are you maximizing this?

"Invest in a round room and you will never be backed into a corner" - Iain MacDougall 

• Are you using credit strategically in person, farm or business portfolio?
• Do you have a plan to deal with short-term opportunities, or challanges? 
• If you are buying a business, how will you purchase the business and continue investing and operating the company?
• If you are selling a business, do the payment terms align with family goals?