The Six Pillars of Financial Planning

Cash Flow Planning

When it comes to cash flow planning, each family or household is like a unique bucket, with different sizes of taps (Live, Give, Owe, Grow). Once we understand your particular bucket, we can work out a cash flow plan that ensures the taps (cash flows) from your bucket are properly utilized and funded throughout your lifetime. Learn more

Tax Planning

Tax is the biggest eroder of wealth in your future. By properly structuring your assets and cash flows in the future, we work with you to reduce your lifetime tax liability, and preserve more of your wealth. Learn more

Risk Management

There are different risks to your financial plan over the years. However, our approach looks at this topic from a unique perspective focused on provision, not just protection. After we’ve determined what you’d like to provide for in the event of the unforeseen, we can incorporate these strategies into your Financial Life Plan. Learn more

Retirement Distribution Planning

In retirement, our ultimate goal is to get you the income you need in the most efficient manner possible to maintain your desired lifestyle. By reviewing and planning for all the steps above, we can determine the optimal mix of investment income, withdrawals, pensions, and other sources of income (including balancing multiple RRSPs and pensions, income layering, and withdrawal timing) to fit your needs. Learn more

Wealth Transfer/Estate Planning

In contrast to estate planning, which is focused on tax efficiency, retaining control, and distribution after death, Wealth Transfer acknowledges that the process begins while you are still living. Many people are afraid to give to the next generation while still living because they are concerned about how the wealth will be handled, or fear it will be wasted. Many are also concerned they may need the money during their own lifetime for their own care.   

The Wealth Transfer process begins now because this process considers the impact on the beneficiary as the highest priority by preparing them to receive the wealth one day.   Learn more

Asset Management

Once we’ve determined what your money is for, and how much is enough for the things you’d like to accomplish, we can then establish the best use of your assets in funding those possibilities (investments, real estate, business assets, or anything else that could generate cash flows in the future), as well as the optimal portfolio and rate of return that ensures your best chance at success, whether aimed at growth or preserving your capital. Learn more