Unbiased advice about your investment, retirement, insurance, tax & estate planning, from an independent advisor to ensure that your best interest comes first!


Disciplines of Financial Planning...

We offer a comprehensive array of financial planning services and products. With specialists in several distinct planning disciplines, we carefully coordinate our advice to develop a completely integrated and customized wealth management strategy for each client. Combining the disciplines detailed below we make sure that nothing important, like a critical tax issue, is left for chance. In addition, a sound investment plan permeates the entire planning process. We cover all of the following areas:

Investment Planning:

Financially independent people worry less about ups and downs in the market and in life. With comprehensive financial advice, we can help you attain that kind of peace of mind. Using our professional expertise, we will evaluate all of your investments to ensure that they match your goals, tolerance for risk and time horizon. We will develop an investment portfolio and help you choose investments that match your needs and comfort level. Your investment portfolio will cross the complete spectrum of investment styles, asset classes, market caps, and geographical regions. Click here to read more about the value of investment advice.

Everyone knows investing is important component of financial independence. But, not all investors should or can follow the same paths. How do you know what the right investment moves are for your personal needs and goals?


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Tax Planning:

Taxes are usually a major factor in any financial decision. Federal and provincial income taxes, as well as property taxes and probate fee can have profound effects  on your financial disposition. Also, we coordinate tax planning with clients, investment strategies and other aspects of their finances to create a fully integrated financial plan.

Insurance Planning:

Risk management is the cornerstone of any financial planning effort. It makes no difference how elaborate or effective the investment portfolio, the retirement plan, or the estate plan, if you have not taken the necessary steps to eliminate risk, all remaining planning efforts could be pointless. Risk management through the wise use of insurance removes the concern for the unknown from a financial plan. Whether it is life, disability, critical illness, or long term care insurance, we will help you asses your different insurance needs and chose the right product. To learn more about the subject of Insuring today- Protecting tomorrow click on this link.  Some free material to order:

Retirement Planning :

Looking ahead to your potential spending needs at various points in retirement, we will compare all your potential sources of income and help you plan sufficiently to avoid a shortfall. By anticipating these developments years in advance, we can help you to begin preparing for them now.

Estate Planning:

We will show you ways to maximize the wealth that will ultimately be passed to your beneficiaries by minimizing the taxes on your estate. We will also, help you analyze the need for appropriate executors, trustees and guardians for your children. There are many ways to minimize tax liability to ensure the majority of your estate goes to your heirs. We will help you effectively think about your own estate plan and how you can establish one that reflects what's most important to you and your loved ones. You can order the following free material via email:

Philanthropy- Doing Good and Saving Taxes:

There are probably as many reasons to give to charity as there are charities to give to, but they generally can be divided into three broad categories. The first, of course, is supporting an organization or cause you care about. The second is to leave a personal- and often also a family- legacy. Both of these reasons are very personal, and only you and your family can determine how they should impact your charitable giving strategy. The third reason for giving to charity could be tax related. While many people make bequests to charity for purely philanthropic reasons, the positive tax implications of such a gift can provide the added benefit of satisfying the competing interest of family and community. Click here to learn more.

Education Planning:

Every family wants the best for their children, and education is the key. There's no questions that advanced studies can lead children to better career opportunities, financial stability, greater earning power and healthy self-esteem. Registered Education Savings Plans (RESPs) are tax-deferred savings vehicles created by the federal government to help Canadians save money for a child's post-secondary education. They offer the following benefits:

 Your Mortgage:

Because your house is probably the biggest and most expensive investment you will ever have, we will work together to structure your mortgage to fit your overall financial plan. We will help you compare different products, conventional and unconventional. This can save you significant time and money. After choosing the best product that suits your needs, will work with a trusted mortgage specialist for approval and best rates. In certain incidents, we may even be able to make your mortgage interest tax deducible. Your mortgage insurance will also be carefully examined to best fit your plan. Can you make your mortgage interest deductible? click to find out!