Our Services

When Dave works with people who have workplace savings plans, his planning process involves the integration of their personal savings plans and government plans as well. All pieces are required to work together to enjoy a successful outcome which is a retirement filled with dignity and independence.
Financial Planning
  • Goal setting

  • Retirement planning

  • Education savings

  • Estate planning

Investment Planning
  • RRSPs and RRIFs

  • Education savings

  • Severance packages

  • Group RRSPs

  • Group pensions

Retirement Income Planning
  • Retirement Income Projection and Analysis  

  • Pension Analysis

  • Severance

  • TFSA or RRSP

  • Goal Setting

  • CPP and OAS Analysis

Investment & Asset Management
  • Goal setting and Required Rate of Return

  • Asset allocation based on personal goals and objectives

  • Ensuring investment selection is in line with goals & risk tolerance

  • Tax efficiency of Investments

  • Fee Analysis

  • Continuous Monitoring and goal checks

Estate Planning
  • Legacy Planning

  • Inheritance

  • Intergenerational transfers

  • Estate Bond

  • Gifting to children

  • Trusts

  • Charitable donations


Some Estate Planning strategies may require the involvement of a legal professional.

Risk Mgt & Needs Coverage
  • Income protection

  • Asset protection

  • Family protection

  • Estate protection

  • Travel Insurance

     

Tax Minimization Strategies
  • Tax efficiency of investments

  • Tax deferral

  • Tax conversion

  • Passing assets through your estate

  • Income splitting

  • Intergenerational transfer

 

Tax minimization strategies abide by rules set forth by the CRA and may require us to work alongside a Chartered Accountant.

Insurance Planning
  • Life insurance

  • Critical illness insurance

  • Disability insurance

  • Long-term care insurance

  • Group benefit plans

     

Corporations and Businesses
  • Business Risk Management

  • Investment and Asset Management

  • Group RRSP

  • Tax Efficiency of Business Income

  • Group Benefits
     

Other
  • Capital Needs and Cash Flow Analysis

  • Education Planning     

  • Short term goal planning

  • Debt Management

  • Beneficiary audit