Asset accumulation

You have some assets. Your family is grown and you already own your first home. You live with the ever-present question of where to invest your money. When your goals seesaw between your needs and those of your family, how do you find the best way to allocate savings to each of them?

Jolie maison rurale

Managing the mortgage more effectively

How do I get the most out of my real estate holdings?

Calculatrice et graphique financier

Paying fewer taxes

Which approaches apply to my situation?

Famille promenant dans un champ

Protecting my assets and my family

What will happen to my loved ones in the event of premature death?

main humaine écrivant au tableau

Planning for my children’s education

Which vehicle will get you there?

The financial risks

Delayed retirement plan.

Delayed education savings plan for your children.

Underestimation of the impact of a long-term disability.

Underestimation of dependents’ needs, in the event of death.

Does this sound similar to your situation?

Let’s create your financial plan together

Components of financial planning

Personal and family

  1. Marital status
  2. Rights of common-law spouses
  3. Rights and obligations of marriage
  4. Division of family assets
  5. Responsibilities of a liquidator, mandatary, or trustee

Statement of financial position

  1. Tracking of changes in net worth
  2. Cost of living and budget evaluation
  3. Emergency fund options
  4. Adjustment of discrepancies between investor profile and current asset allocation
  5. Strategies for budget management
  6. Strategies for debt management

Fiscal status

  1. Information about deductions, tax credits, socio-fiscal programs
  2. Strategies for reducing the family tax burden
  3. Investment taxation optimization
  4. Evaluation of capital cost allowance (CCA) eligibility
  5. Evaluation of net capital losses carried forward

Living benefits

  1. Evaluation of protections against illness and accidents
    • Disability insurance (salary, credit, office expenses)
    • Critical illness insurance
    • Drug and paramedical insurance
    • Travel insurance
  2. Insurance strategy to address gaps in coverage
  3. Legal documents in the event of incapacity.

Retirement projections

  1. Evaluation of cost of living, savings capacity, and retirement income sources
  2. Actions to be taken and timetable for closing the distance and reaching your goals
  3. Strategies for:
    • Optimal allocation of pre-retirement savings
    • Disbursement of retirement capital that accounts for sociofiscal programs
    • Survival risk management

Situation at death

  1. Assessment of protections held
  2. Assessment of estate liquidity and insurance strategies to address gaps in coverage
  3. Life insurance
  4. Assessment of legal documents
  5. Consistency between preferred transmission and any that might otherwise prevail.
  6. Strategies for ensuring that wishes are respected, optimizing taxes, and controlling bequeathed assets

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