Whether you’re a business owner, an affluent Canadian or an accredited investor in Sarnia, our financial planners have the experience and know-how to design strategies that unlock your financial freedom. We’re here to help you navigate your wealth journey, so you can spend more time enjoying your wealth and less time managing it.


 

Financial Planners for Pre-Retirees and Retirees

As you transition from your working years to retirement, managing your wealth becomes crucial. Our financial planners understand the unique challenges you face during this phase. Our knowledge can help you address key realities:

  • Longevity:With advancements in healthcare, living longer than previous generations is a likely scenario, which can significantly impact your financial planning. Our financial planners address this by ensuring your assets last throughout your retirement, allowing you to live comfortably without the fear of outliving your savings.
  • Tax Management: Effective tax planning is crucial as you approach and enter retirement. By employing strategies to minimize tax liabilities, our financial planners help protect your nest egg, ensuring that more of your hard-earned money remains in your hands and contributes to your financial well-being..
  • Income Strategies: Developing a tax-efficient strategy that provides a steady income throughout retirement is one of our specialties. We help structure your assets to deliver a consistent and reliable income stream, so you can enjoy your retirement years without financial worry.
  • Legacy Planning: Want to ensure your legacy is managed and passed on according to your wishes? We help you plan thoughtfully for the future, including setting up trusts, estate planning, and other legal structures to ensure your legacy lasts and benefits your loved ones according to your intentions.

Let us guide you toward a comfortable retirement.

 

Financial Planners for Business Owners and Entrepreneurs

Whether you’re starting a business or have an established company, maintaining your lifestyle throughout retirement is vital. Beyond financial statements, we focus on:

  • Business Succession Planning: Our financial planners help you navigate the complexities of succession planning to ensure a smooth transition and a solid return on the investment you've poured into your life’s work. We guide you through every step, from choosing the right successor to structuring the transfer in a way that protects your interests and those of your business. 
  • Tax Efficiencies: Using advanced tools like holding companies and life insurance, our financial planners develop strategies to minimize your tax liabilities. This not only protects more of your hard-earned money but also enhances the financial health of your business, ensuring more of your wealth is directed where you want it, rather than to tax obligations. 
  • Diversified Investments: While your business might be a significant part of your investment portfolio, diversifying your investments is crucial to mitigating risks and stabilizing your financial future. Our financial planners help you explore and invest in a variety of asset classes outside your business, from real estate to stocks and bonds, ensuring your personal wealth grows alongside your business. 

As fellow business owners, we speak your language, understand your concerns and are here to assist you.

 

Financial Planners for Executives

Complex tax bills, investment portfolios, and compensation structures can overwhelm executives. To help secure your future you need:

  • Long-Term Vision: It’s crucial to contemplate the long-term use of your wealth. Whether you're looking to fund philanthropic endeavors, secure a comfortable retirement, or establish an educational fund for your children, our financial planners can help you align your financial strategies with your personal aspirations.
  • Tax Optimization: Effective management of your taxes is vital. Our financial planners leverage various tools, such as retirement accounts and health savings accounts, to optimize your tax situation, reducing your liability and increasing the amount of wealth available for your use and enjoyment.
  • Early Retirement Planning: If you're considering stepping back from the rigours of your career earlier than traditional retirement age, our financial planners can help you explore viable options. Planning early allows you to transition smoothly, ensuring that your lifestyle remains uninterrupted and your financial needs are met.

Let us help you enjoy the lifestyle you deserve.