A Comprehensive Approach to Financial Planning
We develop comprehensive financial plans that address these common questions:
Pensions and Retirement Planning
Can you explain my Pension Plan?
should I buy back service?
will I get enough in retirement?
Can I afford to retire now?
Which pension option should I choose?
Which pension investment choice is right for me?
How much do I have to save now to retire in X years?
Am I eligible for government benefits in retirement?
Am I or is someone else in my family eligible for disability benefits?
I haven’t reviewed my will in the past two years. What do I need to update?
Am I paying too much tax?
Did I get all the deductions I should have in the last year?
Estate and Risk Planning
I want to leave my heirs money in the most tax-effective manner when I die. How do I do that?
Who will look after me and my money if I am incapacitated?
How do I reduce probate fees?
Is my investment portfolio performing well?
Does my investment portfolio have too little or too much risk?
Should I have more or less foreign exposure in my account?
Do I have enough/too much life insurance?
Do I have the best kind of insurance?
What happens if I become disabled?
How will I pay for my own / my parents health care costs in retirement?
Should I have critical illness insurance?
Asset and Debt Management
Should I buy or lease my car?
How can I structure personal debt to maximize the tax benefits of my investments?
How should we divide our assets?
Should I trade RRSPs for the house?
How will spousal and child support be taxed?
How much $ as a lump sum now eliminates the need for spousal support in the future?
Is this asset division tax-efficient? Is there a better way?