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Independent · Fee-Only · Advice-Only
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What We Do

Planning and advice for every stage of your wealth.

We provide a wide range of financial services and the expertise to take all the uncertainty out of it for you. Are all aspects of your financial situation working in sync with each other, or is one area working against success in another?

Comprehensive Planning & Ongoing Support

Financial planning for every stage of your life.

Whether you’re building wealth, running a business or professional practice, approaching retirement, or protecting a legacy, we provide comprehensive, fee-only financial planning built around your situation.

Explore the planning areas below to see how each part of your financial life can work together instead of competing with each other.

01

Retirement Income

Retirement income structuring is one of the most important aspects of retirement planning: how to withdraw funds from your investments each year, in what order and amount, and in the most tax-efficient manner.

  • What order & amount of funds to withdraw each year
  • The most tax-efficient way to withdraw retirement income
  • Lifelong guaranteed income for retirees
  • Retirement planning for executives
  • Retirement income strategies
  • Pension income analysis
  • Severance packages
  • Transitioning into retirement
  • Living expenses in retirement
  • Retirement income planning for professional corporations
02

Wealth Accumulation & Investing

Saving for retirement with the right balance of risk, asset allocation and diversification, and knowing what’s working and what’s not. Are you properly invested for your stage of life?

Diversification

  • Geographical, economic & political
  • Industry, sector & business life cycle

Investing

  • What is your risk tolerance? (and how it changes in retirement)
  • Asset allocation changes in retirement
  • Accumulation versus protecting assets
  • Individual pension plans
  • Emergency fund
  • Capital preservation
  • Guaranteed income for life
  • Investments with downside protection
  • Investment tax planning
03

Tax Efficiency

Are all areas of your financial situation set up to reduce taxes now and in the future? Tax planning is woven through every part of the plan.

  • Tax reduction & minimization strategies
  • Accessing retained earnings in your corporation
  • Capital gains funding
  • Investment tax planning
  • Tax sheltering
  • Bypassing estate & probate
04

Risk Management

How to financially deal with the things that can derail a plan, plus unbiased, objective advice on insurance without being pressured to buy.

Protect against

  • Downside asset protection
  • Divorce, death & disability
  • Not living long enough, or living too long
  • Running out of money in retirement
  • Inflation & interest rates
  • Insuring your income & your RRSPs

Insurance

  • Life insurance (Term, Whole Life, Universal Life)
  • Limited-pay life insurance
  • Insured Retirement Plan
  • Critical illness insurance
  • Disability insurance
  • Long-term health care planning
  • Existing policy review & second opinions

Corporate coverage

  • Buy-sell coverage
  • Key person coverage
  • Funding shareholder agreements
  • Protecting retained earnings
05

Asset Protection

Guarding against the risk of losing assets: to the market, to taxes, or to simply running out in retirement.

  • Market risk of investment assets
  • Risk of running out of assets in retirement
  • Guaranteed income for life
  • Investments with downside protection
  • Life insurance & capital preservation
  • Avoid losing your home in retirement
  • Inflation & interest-rate strategy
  • Investment tax planning
  • Accumulation versus protecting assets
  • Passing assets to the next generation tax-efficiently
  • Bypassing estate & probate
06

Wealth Transfer & Succession

Moving wealth to the next generation with intent, preserving both capital and family harmony.

Succession planning

  • Farm & ranch
  • Businesses & corporations
  • Professional corporations
  • Executive retirement planning
  • Professional athletes transitioning into retirement

Wealth transfer

  • Family business & family farm
  • Capital gains funding
  • Equalization planning for children
  • Tax-efficient transfer of assets to children
  • Capital preservation
07

Estate & Legacy Planning

Estate planning is important. Tax & estate planning that efficiently passes assets to the next generation while reducing disputes and preserving family harmony.

  • Legacy & estate planning
  • Tax reduction & minimization strategies
  • Estate equalization for children
  • Reduce post-death legal disputes among heirs
  • Reduce capital gains taxes upon your death
  • Capital gains funding
  • Family farm & family business succession planning
  • Intergenerational wealth transfer
  • Estate bypass & probate bypass
  • Trusts: do we need a trust?
  • Wills, Powers of Attorney & Personal Directives
  • Life insurance
08

Philanthropy & Charitable Giving

What’s your legacy? What do you want it to be? If you’re philanthropically inclined, charitable giving can be woven into your plan in retirement and upon death.

  • Incorporating charitable giving into your financial plan
  • Giving in retirement and/or upon death
  • Donor-advised funds
  • Foundations
  • Tax planning using charitable giving
09

Corporate

Retirement income planning for professional corporations and business owners, structuring withdrawals tax-efficiently and protecting what you’ve built.

Corporate strategies

  • Dividend payout structuring
  • Retained earnings withdrawal strategies
  • Tax-efficient corporate withdrawals
  • Protecting retained earnings
  • Capital gains funding
  • Protecting investable assets
  • Corporate wind-down
  • Holding company

Shareholder agreements (USAs)

  • Buy-sell coverage
  • Key person coverage
  • Funding shareholder agreements
10

Consulting

Engaged on an hourly basis for an unbiased, objective discussion without pressure to buy. Some services are provided on an hourly basis only.

  • Retirement income planning
  • Estate analysis
  • Pension analysis
  • Second opinion on your life insurance needs
  • Do I have the right amount & type of life insurance?
  • Critical illness insurance review
  • Disability insurance review
  • An unbiased, objective discussion, no pressure to buy
11

Litigation Support & Expert Witness

Civil litigation support for the legal community, and expert assessment of proper life insurance practices and procedures.

Litigation support

  • Disability: calculation of lost & future income
  • Personal injury: lost & future income
  • Divorce: division of assets & future growth
  • Estate: scenario analysis of strategies used
  • Retirement suitability analysis
  • Dependent adults: required future income for life

Expert witness (life insurance)

  • Assessment of proper insurance practices
  • Was the correct amount & type obtained?
  • Were correct procedures followed at placement, so coverage isn’t jeopardized at claim time?

Let’s create a comprehensive, holistic financial plan.

Email us directly at , or book a call to get started.