• Family

    • What can I do today or in the future to ensure my estate goals are satisfied?
    • Can I protect the inheritance of my children?
    • Is my family financially prepared for unforeseen events like an illness, an accident or even death?
    • Can I accumulate an educational fund that will meet my family’s needs?
    • Can I give to my favourite cause?

  • Business

    • Is my company and personal investments structured properly?
    • What are some tax effective methods of taking income from my business?
    • What is the best way to sell, transfer or wind down my business while I am alive or upon my death?
    • What type of appropriate but cost-effective employee benefits package should I use to attract, retain and motivate my people?

  • Professional

    • What can I do to reduce or defer paying taxes?
    • Can I take advantage of the top tax minimization strategies for professionals?
    • Can I translate my current income stream into a retirement plan?
    • What is the best way to prepare a succession plan that works for me, my successors and my practice?

  • Pre-Retiree

    • What is the best way to prepare for my retirement?
    • Can I sustain my current lifestyle in retirement?
    • Will I have any changes to expenses in retirement?

  • Retiree

    • Can I maximize my retirement paycheque?
    • What steps should I take to protect my portfolio from being eroded by inflation?

  • Investment Planning

    • Asset Allocation Education
    • Review of Portfolio(s)
    • Time Horizon
    • Personal Risk Analysis
    • Tax Preferred Growth
    • Withdrawal Strategies
    • Behavior Management & Education
    • Communicate/Stay in Touch

  • Retirement Planning

    • Retirement Goal Setting
    • CPP & OAS
    • Business Planning
    • Employer Pensions
    • Tax Efficient Withdrawal Plan
    • Self-Employed Retirement Plans
    • Retirement Paycheque™

  • Risk Management & Insurance

    • Review of Existing Policies
    • Life Insurance Needs
    • Long Term Care Insurance
    • Disability Insurance
    • Health Insurance
    • Homeowner’s or Renter’s Insurance
    • Liability Coverage

  • Cash Flow & Budget

    • Income Sources
    • Expenses & Budgeting
    • Debt Management
    • One Time Expenses
    • Planned Large Expenses
    • Emergency Funding
    • Dollar Cost Averaging
    • Mortgage, Loans & Lines of Credit

  • Assistance To Loved Ones

    • Gifting
    • Education Planning (RESP)
    • Caring for Elderly
    • Life Insurance Savings for Children
    • Critical Illness for Children
    • Registered Disability Savings Plan (RDSP)
    • Intergenerational Wealth Planning

  • Income Tax Planning

    • Review of Cost Basis
    • Review Realized Gains
    • Carry Forward/Back Losses
    • Tax Loss Harvesting
    • Long Term Tax Analysis
    • Salary, Dividends or Bonus
    • Deduct, Defer and Divide