Financial Planning and Counselling

The purpose of a financial plan is to assist a client in identifying objectives, and to develop strategies that make these objectives attainable. Financial Planning encompasses a broad range of topics including cash flow and debt management, investments, insurance, taxation, retirement planning and estate matters.

Comprehensive Financial Planning

Your comprehensive plan will address all of the topics noted above.  Our advisors are fully qualified to provide professional advice in all of these areas, and to ensure that your financial plan is done in a comprehensive manner in order to identify strategies to help you achieve your long term financial objectives.

We develop your financial plan through the use of a detailed questionnaire and several counselling sessions, and we follow the six-step process as set out by Financial Planners Standards Council.  We produce a comprehensive report including detailed analysis and recommendations.

Modular Services

A modular financial plan will focus on a single objective such as job transition, retirement or a severance package.

Transition Counselling

We have worked with hundreds of clients in transitional situations. The counselling is often required because of a Voluntary Retirement Program, a Workforce Adjustment Program or a Corporate Downsizing. Transition counselling may also be required as a result of a personal event such as a divorce or the loss of a loved one.

Transition can be a time of considerable anxiety, and important and often difficult financial decisions need to be made.  Professional and objective financial advice is critical to ensuring a successful transition.  The focus of transition planning is generally on cash flow during the transition period, severance payments, tax planning, and pension plan decisions.

Retirement Planning

With retirement in sight, the time has come to revisit and focus your financial planning activity. The objective of the retirement financial plan is to ensure that your assets and pension income will be sufficient to meet your retirement lifestyle needs.  Tax efficiency and the portfolio restructuring are also critical components to a successful retirement plan.

Investment Counselling

This service includes an assessment of your current portfolio, recommendations for a revised asset mix, and implementation of specific investment strategies. As part of this process, we will develop a personalized Investment Policy Statement that reflects the client’s risk tolerance, time horizon, and investment objectives.

Tax Planning and Preparation Services

We offer an advanced tax planning service to help clients reduce their tax bill.  Strategies may include tax-efficient investments, income splitting, the use of trusts and corporations, and charitable giving.  During tax season, we provide tax preparation and electronic filing (EFILE) services.