Personal Advice

Trusted advice for
you and your family

Building for the future

Whether you’re just starting your career or your family, we have you covered. Our 360°Impact process is designed to ensure that you and your family have the right solutions at the right time. If you’re buying a new home, you want the right protection for your family in the event of an unexpected accident, illness or early death. Owning your own life insurance, instead of mortgage insurance from that bank, is a smart choice. This approach will provide you the best coverage, price and flexibility for you and your family for years to come.

Retirement Ready

Planning your retirement should be exciting. You finally get complete control of your time. But to really enjoy it, you need to have complete control of your money. Whether you are already retired and need help drawing tax-efficient income or need to design your retirement, our 360°Impact process helps navigate the complex decisions of retirement planning. We identify gaps you may not be aware of and offer solutions that you may not know exist.

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Leaving a Legacy

Will the Federal Finance Minister be your biggest beneficiary? It can be difficult to comprehend that even after paying taxes all of your life; you will still owe taxes after you pass away. Proper planning can avoid legal issues, uncertainty and unnecessary taxes. There are smart options to minimize these taxes to ensure you maximize the value to your family, beneficiaries and charities. Ensuring a clear and dynamic will is at the centre of your family’s estate plan is transformative.

Through our 360°Impact process we help ensure that your will is designed using the 7 questions successful families ask to ensure your legacy lives on.

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Frequently asked questions

When can I retire and how much money do I need?

The answer is as unique as your plans for retirement. By asking the right questions during our discovery phase, we uncover the answers and provide you a personalized plan.

I have multiple investment accounts, which one do I draw retirement income from first?

Often taking investment savings from our RRSP has advantages over taking from your TFSA or Non-Registered Accounts. Allowing your TFSA to continue to grow well into your later retirement years allows tax-free growth to compound.

How can I maximize my estate to leave a lasting legacy for my family?

By carefully planning and implementing tax-efficient strategies, often involving permanent life insurance, you can maximize the value of your estate for your heirs and ensure your assets are distributed according to your wishes.

We help navigate life’s most important financial decisions

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