Our financial planners will help you balance your current financial needs against your long-term objectives.  We follow a structured process to create and implement a plan designed to help you maintain a disciplined approach towards achieving your financial goals.

All our financial plans are comprehensive and include the following:

FINANCIAL MANAGEMENT

• Preparation of a statement of net worth
• Preparation of a balance sheet
• Preparation of a statement of lifestyle expenditures
• Preparation of statement of cash flow
• Monitoring your results, once a plan in in place

ASSET MANAGEMENT

• Review and analyze of your current investment holdings & asset allocation
• Determine the characteristics of your investment holdings and implications of acquiring/disposing of your assets
• Ensure your investment objectives are aligned with your risk tolerance, time horizon & expected rate of return

RISK MANAGEMENT

• Review and analyze current existing insurance policies and identify potential financial obligations
• Determine relative lifestyle and health issues & compare current risk exposures to existing coverage
• Make recommendations and assist our clients in implementing the plan

TAX PLANNING

• Review and analyze prior years’ tax returns and notice of assessments
• Evaluate your current tax strategies for suitability of your objectives
• Make recommendations that will reduce or eliminate your tax obligations

RETIREMENT PLANNING

• Review and analyze all sources of retirement income (CPP, OAS, GIS, work pension)
• Calculate potential expenses during your retirement years and your financial requirements
• Develop retirement planning strategies to reduce income tax payable and maintain a stream of income

ESTATE PLANNING

• Review and analyze current legal agreements & documents that could impact your estate
• Calculate potential expenses and taxes owing at death
• Assess the specific needs of survivors & the liquidity of the estate upon death

All our Mutual Funds, GICs & Fee for Service Financial Planning provided through CANFIN Magellan Investments Inc.