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Individual Investment Planning

We are a highly specialized group offering full service investment, tax and insurance planning to individuals and families throughout Canada.  We go through a complete process to understand all of your goals and objectives, your investment experience and comfort with market volatility in order to make the best possible recommendations to you.

Below are the specific areas that we cover.  To get more information on each, please click on any of the following:

Stocks, Bonds, Mutual Funds – as a full service group, we have access to every stock listed in New York and Toronto, all publicly traded bonds as well as thousands of mutual funds from all of the top names. 

Tax Planning – all of our investment and planning recommendations are done with your taxes in mind.  In making our recommendations, we will ensure that taxes are kept to a minimum and make sure that we use any and all tax strategies that fit your situation taking into account programs such as:

  • Registered Education Savings Plans
  • Registered Retirement Savings Plans
  • Tax Free Savings Accounts

In addition, we will discuss with you the major issues that are a part of your tax situation such as:

  • Capital gains and losses
  • Interest income versus dividend income
  • Your marginal tax rate
  • Taxes at death
  • Probate at death

Income Producing Portfolios – for years clients have been telling us that they do not want to just invest for growth, but also to get regular income.  We will show you specific portfolios that we have designed to achieve both growth and regular income – income that can be directed to your bank account monthly just like a monthly pay cheque.

Life / Disability Insurance – covering risk is an important aspect of planning ones finances.  We are fully licensed to offer all forms of personal insurance coverage to our clients from some of the top insurance companies in Canada including Manulife, Standard Life, Sunlife and Transamerica.  People need insurance for many different reasons and we will walk you through the process of understanding it in a very low pressured relaxed environment.  Even if you are not sure what you need, our highly trained specialists will help you understand your choices to establish the best fit for your needs.  The specific areas we can help with are:

  • Term Life Insurance
  • Critical Illness Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Insurance Audits (review of your existing policies)
  • Estate Tax Insurance

Tax Shelters - This method of minimizing or decreasing your income taxes can be quite complex.  The most important thing to remember when determining the cost / benefit of a tax shelter is the quality of the product and not the immediate tax savings.  Therefore it is prudent that before you make a decision, no matter how simplistic the tax shelter seems and no matter how enticing they are, you should seek the appropriate professional advice.   

Detailed Financial Plans – As part of getting to know you better, we will talk about your current financial situation and compare that to where you want to be in the future.    To help with this, we offer our clients detailed projections and plans in areas that are of concern to them.  These can include planning for retirement, planning for children's education, estimating tax bills at death and many others. 

Options Strategies –  This strategy is offered to select clients looking for ways to lower risk and increase income that can be generated from an existing stock portfolio.  In many cases, the income we generate is between 4 – 5% every three months and does not involve any additional risk above just holding good quality stocks.   
 


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