Family Services
Offering Your Family Peace of Mind
  • Registered Retirement Savings Plans (RRSP), Spousal RRSP
  • Assistance with saving tax through effective income splitting techniques
  • Registered Education Savings Plans (RESP) and information about the various government grants to assist you in growing these accounts faster
  • In Trust Accounts
  • RSP Homebuyers Plan for first-time buyers – assistance with planning around use of your RRSP for home purchase
  • Registered Disability Savings Plan (RDSP) for family members who are eligible for Disability Tax Credit, with assistance in helping you understand the available government grants to further benefit your family member
  • Inter-generational financial planning and effective strategies to ensure success
  • Cottage legacy planning
  • Insurance needs analysis
  • Critical Illness Insurance
  • Long Term Care Insurance and elder care strategies
  • Disability (Income Replacement) Insurance
  • Health and Dental Insurance
  • Tax Free Savings Account (TFSA)
  • In Trust investments and planning
Individual Services
Personal Investments, Insurance and Planning
  • Investment Risk Profiling
  • Financial Planning
  • Tax-efficient investment and income strategies
  • Registered Retirement Savings Plans (RRSP), Tax-Efficient Non-registered Accounts, Tax Free Savings Accounts (TFSA), High Interest Savings, GIC’s, Guaranteed Minimum Withdrawal funds, Annuities, Segregated Funds
  • Self-directed portfolios
  • Individual Insurance: Life, Travel, Income Replacement (Disability), Critical Illness Insurance, Long Term Care
  • Private Health Spending Accounts
  • RSP Homebuyers Plan for first-time buyers – assistance with planning around use of your RRSP for home purchase
  • Health and Dental Insurance
  • Complete, written financial plans for clients who wish to have comprehensive planning in place
Retiree Services
Planning Your Retirement
  • Tax-efficient income planning
  • Tax and estate planning services
  • Charitable Giving Strategies
  • Planning for Independence
  • Specialized insurance strategies (i.e. Insured Annuity)
  • Registered Retirement Income Fund (RRIF), Tax-efficient Non-Registered accounts, Life Income Fund (LIF), Tax Free Savings Account (TFSA), High Interest Savings, GIC’s, Annuities, Guaranteed Minimum Withdrawal funds
  • Individual Insurance: Life, Travel, Long Term Care
Business Services
For Business Owners, Employers and Employees

For Business Owners

  • We coordinate our recommendations with those of your tax and legal advisors, as well as introducing professionals where necessary.
  • Individual Pension Plans (IPP) and Retirement Compensation Arrangement (RCA) planning
  • Group RRSP and Pension consulting and investments
  • Deferred Profit Sharing Plans (DPSP)
  • Transition and Succession Consulting
  • Corporate Insurance strategies (i.e. Buy-Sell Funding Arrangements and Key Person coverage)
  • Corporate Investment Strategies
  • Private Health Spending Plans (PHSP)
  • Group Benefits – plan design, placement and consulting; effective cost-control and education/support (*We work for you, not an insurer)
  • Complete, written financial plans for business owners who wish to have comprehensive business planning in place

For Employers and Employees

  • Group Benefits – plan design, placement and consulting; effective cost-control and education/support (*We work for you, not an insurer)
  • Transitioning employees between Group Benefits Plans upon termination or retirement
  • Group Retirement Savings Plans – Pensions (Defined Contribution and Defined Benefit), Group RRSP’s, Deferred Profit Sharing Plans (DPSP)
  • Employee Education Seminars (i.e. including CAP requirements for Pensions, retirement savings, group health benefits, other topics upon request)