Allocation of assets

This is where it all starts. One of the most important things that will determine your investment success is how well your investment goals match up with your assets. Studies have shown that the vast majority of your results will come from how you divide your assets. Make sure your stock is well-balanced based on how much risk you are willing to take, and you’ll sleep well at night.

less tax

There are ways to pay less tax.

We can put the most up-to-date tax methods into your long-term financial plan, from filing your taxes once a year to making complicated tax plans. The focus will be on your current income structure, tax credits that you are eligible for, the timing of capital gains, and investment planning choices that can help you out.

Debt Management

Almost everyone goes through a stage in their life when they use debt to help meet their needs. Am I better off saving for my needs or borrowing? Are there tax strategies that I can take advantage of? How does borrowing affect the potential gains and losses of the investment? What effect will potential fluctuations in the value of the investment have on my situation? Whether it’s buying a home, a car or simply managing your credit line, we can create personalized plans to help you pay off your debts or to use debt wisely to increase investment returns.


Planning for investments

Make sure it has the right mix of asset types that will help you reach your goals. Using state-of-the-art tools to measure your time horizon, performance history, and risk tolerance, we can predict your needs and do a needs-based sensitivity analysis to find any gaps. We can then turn this analysis into a realistic investment plan.

Education Planning

How much will a degree cost when your child goes to post-secondary school? Are you saving enough to meet your children’s needs? And, if you’ve already started investing in your children’s education, is it well invested?


Need more help?

We will be happy to provide you with additional information and answer all your questions regarding Financial Planning solutions during a personal meeting with our client manager at the office or by email.