Whether you are accumulating funds for retirement, saving for your child’s education or earmarking capital for the next generation, we will work with you to expertly tailor your investment portfolio using the most appropriate products to address your needs.
We will work closely with you to develop your own customized Wealth Plan. This documented financial plan will provide a baseline for important financial decisions and act as a valuable resource to measure your progress over time.
Investment Products
Mutual Funds
Segregated Funds
Exchange Traded Funds
High-Interest Savings / GICs
Annuities
Guiding Principles
We believe that successful investing is deceptively simple, yet it requires patience and discipline. The following principles help guide our approach:
Use Common Sense
Prioritize quality
Buy value
Diversify, but not too much
Understand what you own
Own businesses rather than trading stocks
The power of compounding
Sensible fees and alignment of interests
Patience
Common Account Types
RRSP
A Registered Retirement Savings Plan (RRSP) allows you to contribute a portion of your income toward retirement on a tax-deferred basis. Contributions are tax-deductible and any gains within the account accumulate on a tax-deferred basis until withdrawn.
RRIF
A Registered Retirement Income Fund (RRIF) is like an RRSP in reverse. By age 71, a RRSP must be converted into a RRIF and a minimum percentage of the assets must be withdrawn from the plan each year. Withdrawals are fully taxable as income in the year they are made.
TFSA
A Tax-Free Savings Account (TFSA) allows Canadian residents over the age of 18 to invest up to $6,500 per year on a tax-free basis. Contributions are not tax-deductible, however, any gains or withdrawals are considered tax-free. Contribution room is cumulative from year to year if unused.
RESP
An Registered Education Savings Plan (RESP) allows you to invest for post-secondary education. Investments within the account accrue on a tax-deferred basis until they are withdrawn and eventually taxed in the hands of the plan beneficiary. Government Grants of up to $500/yr help to boost savings.
IPP
A Individual Pension Plan (IPP) is a like a super-sized RRSP for incorporated business owners. The IPP allows business owners to create their very own defined benefit pension plan, providing higher levels of tax-deferred savings and enhanced retirement security when compared to an RRSP.
Separately Managed Accounts
A Separately Management Account is a portfolio of individual securities managed by a discretionary portfolio manager on your behalf. This approach represents the pinnacle of portfolio management, providing complete transparency and a level of comfort that cannot be duplicated in a pooled environment.
Donor Advised Funds
A Donor Advised Fund (DAF) provides many of the same tax-planning benefits as a private foundation, however, without the administrative burden. This mini-foundation allows you to make tax-deductible contributions to your own charitable investment fund while distributing a portion of the proceeds to charity each year.
Annuities
Annuities provide guaranteed income either for a stipulated timeframe or for life. Annuities are like a pension promise that can be purchased through a life insurance company. Due to their tax-efficiency and guaranteed nature, annuities can play a pivotal role in retirement planning.
