This plan includes strategies and recommendations for optimizing your Cash Flow, Emergency Reserves, Net Worth, as well as managing any Debt and reducing Income Tax. You will receive income tax saving strategies to help reduce your tax bill now and in the future.

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This plan answers questions such as ‘when can I retire?’ and ‘how much can I draw as monthly retirement income?’.  We will identify how you are tracking to your retirement goals and strategies to optimize your plan. Recommendations will include an RRSP meltdown strategy and the ideal age to take CPP & OAS.

This plan is focused on optimizing your exit into retirement. You will receive recommendations for optimal timing of your exit considering bonus payouts, stock options, vesting periods, taxation and pension implications. We will also evaluate loss of benefits and provide a post-exit income plan.

This plan is focused on understanding and managing the financial risk in your life so you can stay on track to achieving your goals. We’ll start with a needs assessment and then review your current insurance in place to reveal any gaps or excess coverage. Then, we’ll provide recommendations for adjustments.

This plan is focused on clarifying your estate wishes and ensuring the proper plans are in place. You will receive recommendations for estate planning documents, beneficiary designations, ways to minimize income tax payable by your estate and considerations for reducing estate administration tax (probate tax).

This plan involves evaluating your risk tolerance and examining your current investments. You’ll then receive recommendations to fine-tune your Asset Allocation (Cash, Fixed Income, Equity) and Asset Location (TFSA, RRSP, LIRA, Non-Registered, etc.) to align your investments with your goals.