Personal & Corporate
Investment & Estate Strategy
Investment strategy is an ongoing process that aligns your finances with your financial and lifestyle objectives.
We will work with you to develop a customized Strategy that will:
Allow you to plan your finances to build more wealth, and build it faster. This helps ensure that you meet financial goals such as a secure retirement.
Is a process that uses tax strategies along with wills and trusts to minimize tax liabilities at death and achieve the client’s desired distribution of wealth and property in an efficient manner.
Life insurance is an integral part of the process. A properly structured life insurance plan provides the funding to the estate or holding company to meet estate tax liabilities, fund obligations, provide funds to replace lost income and/or enhance the intergenerational transfer of wealth. With more than twenty-three years of experience, our professionals always consider specific client dynamics to maintain family harmony while efficiently planning the estate.
People often think of Life Insurance as a financial instrument purchased to replace income.
While true for most Term Insurance, the majority of in-force Permanent Life Insurance is now held for investment purposes by large corporations such as banks, financial institutions, and average Canadians
who buy Permanent Life Insurance as an alternative investment to low risk low yield, highly-taxed investments like bonds, GICs , etc.
Alternative Investment Strategies:
The use Permanent Life Insurance as a worry-free investment that can grow at an equivalent rate in excess of 6 - 8%, can be accessed tax-free, and passed along to families and favourite charities tax-free.
The unique tax treatment of Life Insurance policies under Canada’s Income Tax Act make it a key component in Succession Planning.