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Wealth Management Canada

Our planning starts with helping you clearly define what you see ahead for yourself and family. Who wants to go in a different direction? What would you like to happen? What is most important?. With that knowledge we look at your resources i.e debt, assets, cash flow, etc. to see where you end up based on your current course.

Our approach helps you get control of what you need to do. We help you understand your cash flow to avoid stress and keep your financial targets in mind. The advice and strategies that we provide are always in your best interest. You build a solid relationship with your broker, built on trust and transparency.

The broker will help guide you towards your goals by explaining what each action means to your life and your goals. And the broker will help you avoid risky situations and take advantage of acceptable opportunities.


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What Is Wealth Management?

8 Elements To Your Wealth Management Plan

Choose the subject that interests you.

 

Control of debt is a major key at the heart of a wealth management plan. Without family agreement on controlling debt relating to mortgage, credit cards, car loans and lines of credit, it will be difficult to make a plan work effectively.

2 Assets

This is one aspect that we can all agree upon; the need to grow your wealth. It might mean acquiring a property, buying land, stock and bond market investing or even education. The whole purpose is to use your natural abilities to provide for the future for yourself and your family.

3 Retirement

A healthy retirement will naturally flow from a well executed wealth management plan. If you have succefully mustered your family resources, there will be ample financial resources to fund your retirement.


4 Taxes

As you gather together all your financial strengths, you need to use whatever tax shelter products are available at that time. RRSPs and TFSAs are two of the most used products, which together can ensure you of a financially confortable retirement.

5 Wills

A Last Will and Testament is an extremely important for all parties, espcially those working together build this wealth management plan. Without a Will to point out the direction for the survivors, the plan could colpase. And the Wills need to be kept current to account for divorces, marriages, new business agreements and the like.


6 Life Insurance

When all the investment plans fail, this will not. It is the last resort that will benefit survivors in the event that other investment plans do not work out as well as intended. Each party to your plan should carry sufficient coverage so that the survivors can continue.

 

6 Investments

Smart investing is perhaps the core of wealth planning. You can work harder, spend smartly and save your money but you need to understand how to multiply your wealth. And perhaps most importantly, you need to remember that no one is more interested in your money than you.

 

6 Health

Your health is not often spoken of as an integral part of your wealth management and plans but in fact it is a key to the enjoyment of your savings. While we can all suddenly be struck by a seriod illness, you need to plan to stay healthy. And you need to do that with professional advice to maintain your edge as long as possible.

Four Important Bases of Your Wealth Plan

These products can form the bases of your plan.

1 Life Insurance


2 Annuities & RRIFs


3 Mutual & Segregated Funds


4 Savings Plan

Independant Advisors

Why use an adviser?

While you can save commission charges by buying funds directly from the investment company, studies consistently show that retail investors who get professional financial advice do vastly better than those who don’t. A recent white paper from Vanguard finds that advisers can potentially add about 3 percent in net returns, compared to a do-it-yourself approach.

This is because good advisers are able to add value by helping with fund selection, asset allocation, whether to hold funds in Registered or non-Registered accounts, rebalancing decisions, and perhaps most critically, behavioral coaching: Research from DALBAR indicates that absent professional advice, the average retail stock investor lags the market by an average 3.52 percent per year over the past 20 years – largely because of poor timing.

 

 


You can get started right now. Your adviser will ask you a series of questions about your financial situation, risk tolerance and your financial goals and time horizon. That will enable him or her to design a set of recommendations especially for you.

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