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A Distinct Approach to Saving


Investments play a key role in your financial plans. For individuals, a mix of income, non-registered savings and registered retirement and pension plans can help achieve short term and long-term goals. As part of our process we will work with you to create and establish solid investment plans and strategies, which may include discussions on all or some of the following areas:

  • Cash Flow and Debt Management 
  • Savings and Wealth Accumulation 
  • Retirement Planning and Invetment Management 
  • Tax Planning and Strategies 
  • Banking

Cash Flow and Debt Management

Before we create any investment strategies or financial plans with you we need to ensure we have a very clear understanding of your current cash flow and any and all debt you may have. As part of our process, we will work with you to review and optimize your cash flow and will suggest recommendations on ways you could potentially structure your debt more efficiently.

Savings and Wealth Accumulation

Depending on your stage of life, you will have a distinct approach to saving. New graduates or young couples have different needs than retirees or mid-career families. But no matter your personal situation, part of our process is to work with you to help develop financial habits and cash management that will build a strong foundation for your savings.

Younger individuals and couples have a long investment horizon, low insurance costs and often few responsibilities. Establishing a solid savings plan, creating and emergency fund and developing an sound financial base take precedence, while at the same time considering a debt load that might include student loans, car payments or perhaps a mortgage.

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Retirement Planning and Investment Management

Whether you are currently working and accumulating towards retirement or are at the stage where you are either in or approaching retirement and require income from your investments, we will work together to develop customized investment plans and strategies that match your needs and goals and that provide flexibility to be able to meet your personal and business needs as they change over time. In order to create your investment plans, as part of our process we will work with you to establish your ability to take risk, how much risk you are willing to take, when you will need to redeem your investments, your tax situation and any other issues or constraints you may have.

Tax Planning and Strategies

No one likes taxes. No matter what stage of life you are in and whether your goal is to accumulate wealth or to provide income in retirement, the impact of taxation on our income and investments needs to be considered. Not only is it important for us to work for our money as well as for our investment money to work for us but also to ensure that we keep as much of both as possible. Investment products held within Tax Free Savings Accounts (TFSAs), RRSPs or RESPs as well as charitable contributions and permanent life insurance policies and can all be useful tools in an effective tax strategy. As part of our process, we will work together and discuss ways to attempt to minimize the specific effects of taxation on your personal and business investments.

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