Cash Management
How do you accumulate wealth? By utilizing effective cash management techniques, you can maximize the amount of money being set aside to accumulate wealth. It can also provide you with “peace of mind”. We show you how to set up cash management programs specifically designed to meet your needs and reach your financial goals. Unless you are in total control of your monthly cash flow, and have accumulated all the wealth you could possibly want, our cash management programs are for you.
To learn more, read our articles, attend our seminars or schedule an appointment.
Educational Funding
If you want your children or grandchildren to win the top jobs in the competitive world of tomorrow, they will need a solid education – a higher education that regrettably comes only at a very high price. A four-year university education today can easily exceed $75,000 and that cost keeps rising. With inflation and government cutbacks, these costs are going to accelerate every year. The reality is that if you’re going to provide for an adequate education, you’ll have to get started today. Fortunately, there are relatively easy and inexpensive ways to do it.
To learn more, read our articles, attend our seminars or schedule an appointment.
Estate Planning
You’ve worked hard for your money, and you’ve put years of careful effort into building and maintaining your estate. Your estate is your life’s work and you are concerned about how it will be distributed to family and friends. Without a well thought out estate plan and Will, your estate will be distributed according to provincial laws – not necessarily according to your wishes or intentions. Also, taxes, probate costs and various fees may take a big bite out of what you planned to leave for those you love. Your estate could be tied up in the courts for months or even years. It hardly seems fair! Fortunately, there are a number of strategies and techniques you can use to properly plan your estate, and even save some taxes and fees.
To learn more, read our articles, attend our seminars or schedule an appointment.
Financial Planning
You’ll earn a fortune over your lifetime, and you have the potential of accumulating substantial wealth – if you make the right financial decisions. Taking advantage of the opportunities in today’s world can be very rewarding. It can also be confusing, and a number of obstacles can get in your way. You’ll need to learn various techniques to coordinate your overall financial affairs in plain language, and help you chart your course for success. Discover the difference effective financial planning can make to ensure your future financial security.
To learn more, read our articles, attend our seminars or schedule an appointment.
Insurance Planning
Woody Allen once said, “I’m not afraid of dying . . . I just don’t want to be there when it happens”. Most of us can identify with that. Yet, while we may have uneasiness about our own death, we would do almost anything to protect the family members we leave behind. With this in mind, you would think that most people have taken proper care of their insurance needs. Unfortunately, this is not the case. Even those with medical problems are often surprised to discover that insurance is available. Also, there are many new planning options available today such as critical illness coverage that pays a lump sum benefit upon diagnosis of a covered life-threatening ailment and long term care plans to pay for expensive nursing home costs. Learn how to provide the financial protection every family deserves.
To learn more, read our articles, attend our seminars or schedule an appointment.
Investment Planning
Over the past several years, we have witnessed dramatic shifts in the financial markets. With a prolonged bear market following a decade of prosperity, and interest rates at near record lows, many investors are wondering what to do. The key to winning that investment game is to limit your risk while maintaining an adequate return on your investment. Learn how asset allocation and proper diversification offers a way to determine where your investment money should go. Learn how to benefit from these proven concepts, and utilize a strategy that’s best for you.
To learn more, read our articles, attend our seminars or schedule an appointment.
Retirement Income
For those already retired there are a number of important issues and techniques to be aware of in order to be financially comfortable and enjoy their “golden” years. Many retirees take advantage of government pension plan opportunities, income splitting and even second careers. There are also a variety of income options to consider such as annuities, RRIF’s, systematic withdrawal plans and lump sum RRSP withdrawals. Make sure you are fully aware of all your options during retirement.
To learn more, read our articles, attend our seminars or schedule an appointment.
Retirement Planning
Oscar Wilde once said, “when I was young, I thought that money was the most important thing in life, now that I’m old, I know that it is”. People who have been working for most of their life are often financially unprepared for retirement. Without a well thought out retirement plan, you could be in serious financial difficulty in your retirement years. Learn how to predict your expected retirement income needs and anticipate all the income planning alternatives currently available to provide for those needs. It’s never too late to start planning for your retirement. In fact, the earlier you start, the easier and better it will likely be. The closer you are to retirement, the more critical it is that you plan for this big event.
To learn more, read our articles, attend our seminars or schedule an appointment.
Tax Planning
If you are a high income individual, you realize that personal taxes are among the largest – and fastest growing – categories of expense each year. You know you would like to reduce taxes, but aren’t quite sure how. Well, you can start by learning about key tax planning strategies, “tax traps” to avoid, often overlooked tax credits and deductions, sources of tax-advantaged or tax-free income, and a variety of ways to defer, shelter, reduce or eliminate income taxes. By getting to know your tax planning options, you should be able to keep a substantial amount of the money that would otherwise be lost to the taxman.
To learn more, read our articles, attend our seminars or schedule an appointment.
