Dental Professionals

Given your commitment to the well-being of your patients and staying current with dental advancements, you may not have time to focus on your present and future wealth management needs.

The complexity of your investment and other wealth-related decisions grow with your practice. For example, you may be approached with random investment opportunities offering potentially attractive benefits. Yet, you may feel they are complicated and outside your comfort zone. We can help you stay on track, with wealth management strategies and investment opportunities that are in line with your risk tolerance while offering the potential for steady investment returns.

We offer practical investment and tax management insights that are relevant to your needs as a dental professional. For example, we can help you minimize your tax liability on active business income by setting up a Canadian controlled private corporation on your behalf. And we will work with you in other ways (including creating a corporate life insurance policy on your behalf) to help you make the most of your deductions and credits that can save you money.

Business Owners and Entrepreneurs

As business owners ourselves, we understand some of the unique challenges and opportunities available to incorporated business owners and entrepreneurs. Whether you are just starting out, or have an established business, we can help you maintain your lifestyle now, and throughout your retirement.

Building wealth goes beyond running a strong balance sheet, and showing profits each year. A key to enjoying the results of your hard work is to build wealth inside and outside of your business.

We can guide you in creating:

  • A succession plan to help ensure you get the return in your life investment you deserve.
  • A holding company, a life insurance policy, and other tools to limit your tax liability.
  • A well-diversified investment portfolio outside the business that can continue to generate income long after you have sold or moved on from your life as a business owner.
  • A benefits package to help attract and maintain your employees.

Financially Comfortable Canadian families and Individuals

High net worth families and individuals have a dynamic vision for the future. With this, it is imperative that we create a financial framework that is also dynamic. We often refer to our planning as ‘agile’, so that as wants and needs change, we're able to make adjustments to the plan to ensure your desires are met, and your legacy protected.

We believe that strong communication between different generations is critical because as the values and goals of all members are heard, conversation among them becomes easier. By taking the time first to ask questions in a comfortable environment, we learn about your life goals and your family dynamics. We then customize an investment plan that confirms where you are financially and where you want to go.

Our role in guiding families is twofold: first, to guide clients to the most tax-advantaged ways build and to pass along wealth that match their current goals: and second, to help the next generation understand the impact of sudden wealth events (such as inheritances) and how to prepare for them in advance.

An estate plan follows that gives details of what you wish to leave behind, how you want to impact your children’s and grandchildren’s lives, and how much flexibility you want to in the way they use your legacy. Our careful and ongoing management of your family's wealth will help family members to focus on their life goals, knowing their wealth management needs are in good hands.

You may have spent your working life accumulating wealth. Now you're getting ready to move to the next phase. This will involve a fundamental change in how you view and manage your wealth. The focus has moved from saving to growing, protecting and enjoying your wealth. We can help you address several realities.

  • You may live longer than you expect, and maintaining your lifestyle could become a challenge.
  • Managing your tax bill is even more critical to protecting your assets overtime.
  • The strategies for creating a tax efficient lifelong income are different.
  • Your ability to leave a legacy depends on a well thought out plan.

We are here to listen and help you look forward to a long and comfortable retirement.