Our Approach.
The building and retention of wealth requires capitalizing on opportunity.
Our Clients
As we grow our assets, so does the need for more specialized guidance.
- Business Owners, Professionals or Retirees
- Assets consist of both Real Estate & Portfolio investments
- Require tax minimization planning
- Prefer a defensive and disciplined approach to portfolio management
- Need a comprehensive approach to managing finances beyond traditional investment advisory services
The Eight Step Process
Managing your net worth involves much more than your investment accounts.
The 8 Step Wealth Management Process is an integrated, multilayered approach encompassing tax minimization planning, portfolio construction and management, retirement income planning, trusts & estate preservation as well as risk management.
The process takes our clients through six initial meetings with one of our advisory teams, followed by a meeting with a tax lawyer. Once the plan has been implemented, a structured review program is put in place that includes regular comprehensive wealth management assessments as well as portfolio reviews.
advisory team
- ICurrent Financial Analysis
- IIIn-depth Goal Setting and Lifestyle Planning
- IIIWealth Plan - First Draft
- IVWealth Plan Final Draft
- VBack Tested Portfolio Construction
- VIEstate Preservation Planning
lawyer
- VIILiving & Testamentary Trusts, etc.
advisory team
- VIIIAnnual Plan Review and Portfolio Reviews
Specialized Wealth Strategies.
Here is a list of just some of the specialized options available to the retail investor.
Back-Tested Portfolio Analyses
The process takes our clients through six initial meetings with one of our advisory teams, followed by a meeting with a tax lawyer. Once the plan has been implemented, a structured review program is put in place that includes regular comprehensive wealth management assessments as well as portfolio reviews.
Asset Protection and Tax Planning with the use of Trusts
Many forms of trusts exist with various benefits to accomplish certain goals. These entities can provide avenues for tax minimization, income splitting with individuals or a trust itself, and asset protection for current and future beneficiaries.
Pension Style Asset Management
By developing economies of scale, we can bring institutional type investing to the retail client.
Private Equity
Traditionally this type of investing has only been accessible by endowment funds, pensions and institutional investors. Accessing these types of investments at the retail level creates an additional element of asset class diversification.
Real Property Pools
The ability to diversify traditional holdings through the pooling of commercial real estate properties.
Promissory Notes & Spousal Loans
Income splitting can be accomplished in many ways. The use of a spousal loan may help a family reduce its household tax bill on portfolio assets.
Corporate Asset Transfers
Through every corporation’s Capital Dividend Account (CDA), options exist to flow money to the shareholder on a tax free basis.
IPP (Individual Pension Plan)
This plan allows for increased tax savings beyond those of RRSPs. In addition, past service contributions may also exist for the potential of increased pre-tax investing.
Estate Tax Analysis
Projecting future tax consequences and probate costs with the use of computer software can help pinpoint potential tax pitfalls while creating planning opportunities.
Asset Location
Not to be confused with asset allocation, asset location involves the location of various asset classes amongst different types of accounts, entities or individuals in an effort to reduce current and future taxes.
Computer Generated Retirement Income Audits
These calculations establish whether one can reach or sustain his/her lifestyle income requirements while establishing which assets should be depleted first.
Benefit Cost Analysis & Due Diligence Calculations
When contemplating various tax and investment options, few calculate the potential future outcome. Through in depth benefit cost analyses, one can create a priority schedule prior to the implementation of various options.
Corporate Asset Transfers
Through every corporation’s Capital Dividend Account (CDA), options exist to flow money to the shareholder on a tax free basis.
Personal Charitable Foundations
Above and beyond significant tax incentives creating your own foundation gives you the ability to manage and control the flow of funds to your preferred charity(s).
