Who we help
Advice shaped around your stage of life.
Different lives raise different questions. Here are the situations people most often bring to a first conversation, and where we can help.
Individuals & professionals
A good income does not automatically turn into financial security. Many professionals find that money comes in and goes out without much to show for it.
Where we can help
- A clear picture of cash flow and a realistic savings rate
- An order for paying down debt and building savings
- Deciding between a TFSA, RRSP and FHSA
- Protection for income if illness or injury stops work
Families
Children, a mortgage and two careers make finances more complicated, and more important to get right. A shared plan helps both partners make decisions together.
Where we can help
- Life and disability coverage sized to what the family would actually need
- Saving for education and using the RESP grants
- Naming beneficiaries and thinking about guardianship
- Balancing today’s costs with longer-term goals
Business owners
For many owners, the business is both their largest asset and their largest risk, and personal and business finances are closely tied.
Where we can help
- Deciding how to pay yourself, in coordination with your accountant
- Key-person and shareholder protection
- A plan for what happens if you can’t work
- Thinking ahead to succession or a sale
Approaching retirement
The decade before retirement is when the most important decisions are made: when to stop, how to turn savings into income, and when to start government benefits.
Where we can help
- Knowing when you can realistically retire
- An order for drawing on RRSPs, RRIFs, TFSAs and pensions
- When to start CPP and OAS
- Making savings last through a long retirement
Recognise yourself here?
Book a relaxed first conversation. There’s no obligation.