Financial Planning

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The different steps of a life cycle bring forward different reflections and conversations regarding goals to reach and challenges to overcome. The majority of the time this will have an impact on the personal finances and will deserve some planning, especially if you are part of many cycles (business, family and individuals). Achieving your financial goals starts with a good plan!

The net worth is paramount to begin the financial planning process. We will ask you many questions to understand all aspects of your situation and be able to properly advise you. When we approach finance, we discuss, amongst other things, the balance sheet, the budget and the cash flow.

You are separated, and you have a new partner, have you given any thought to who will be the beneficiary of your pension fund? How will you reach the tax optimization of the estate? We are trained and able to orient you in the right direction and to work with another expert when necessary.

Taxation is ubiquitous in the financial planning process. May you differ income tax? May you split some income? We analyze your situation to reduce your tax burden as much as possible, while also working with your accountant or tax specialist if need be.

Retirement represents an important stage in your life. Have you put any thought into how you’re going to live it? Have you thought of the psychological aspect of retirement? How will you finance it? We have an excellent understanding of the Canadian retirement environment and we will guide you in reaching your income goals, amongst others.

Without being legal experts, we have an excellent understanding of the legal environment to guide you through the financial planning process. This touches, amongst other things, different contracts, the civil status, the matrimonial regime. We are here to collaborate with your legal professional.

We are trained, and able to evaluate your current portfolio and guide you towards the appropriate investment strategy to respect your goals and your constraints. Amongst other things, we discuss the investment horizon, the need for income, for liquidity, and the risk tolerance.

This area consists of mitigating the financial risk surrounding the financial security of you, your family and your business. Analyzing your protection needs is essential, especially in case of death and incapacity.

Portfolio Management

It is our profound conviction that reaching your long-term financial goals relies on combining an advisory service and index investing. Index investing generally represents, amongst other things, a better diversification option than active management, also lower fees, and is more tax efficient for non-registered accounts.

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