What We Do

We Ask Questions And We Listen

All wealth plans are different because your situation is as unique as you are. We start by asking the important questions, so we can fully understand your individual circumstances, lifestyle needs, family dynamic, and financial goals.

  • How much do I need to retire comfortably?
  • Am I missing out on important tax planning?
  • Does my estate plan reflect my wishes?
  • Will my beneficiaries be capable of handling the complexities that come with inheritance?
  • Should I set a up charitable foundation? 

We Create A Personalized Plan

We make a plan considering your goals like retirement, legacy building, and generational wealth planning. Our goal is to efficiently manage your portfolio and take advantage of tax efficiency. We consider the long term by ensuring you also have an estate plan in place.

Retirement Plan Snapshot

The following is a sample Retirement Plan for illustrative purposes only.

GOAL: To Retire Within The Year

Mr & Mrs Smith plan to retire in December 2024 and would like to continue to live in their current lifestyle. Their annual income needs are $200,000 after tax (in today's dollars)

SITUATION: Mr & Mrs Smith Are Married Professionals With Adult Children

• $5,000,000 in investment assets

• Mrs. Smith earns $400,000 annually until retirement and will receive full CPP in retirement

• Mr. Smith receives CPP $1,100/mon and a pension of $2,000/mon (indexed to inflation)

• Both will receive OAS, if eligible

ASSUMPTIONS: A Summary Of Retirement Plan Projection Considerations

• Our plan is projected to age 95 and does not take into account the principle residence

• Annual dividend of $100,000 will be paid to Mrs. Smith from her Law Corp beginning in 2025

• $200,000 will be gifted to their kids in 2025 and 2026

• Inflation Rate is 2%

• Rate of Return on investments is 4%

OUTCOME: A Comfortable, Well-Planned Retirement

Based on our plan, the Smith's will comfortably meet their income needs in retirement. At the end of our projection, in 2050, the value of their investment portfolio will be $3,600,000.