Wealth Management

Most of our lives are spent working, trying to save something for retirement. But how much do you save? How much will we need? What about my pension? Government pensions? We will want to travel. And help our kids. And we need a new vehicle. We can help answer these questions with financial planning software and years of experience.

We can build investment portfolios for short term goals, future dream homes and your retirement for the most conservative clients to aggressive growth options.

We have partnered with one of Canada’s most prestigious private wealth management companies. Let us introduce you to the world of private wealth management. 

Known for high fees and low returns seg funds have a notorious rap. So we dug deeper, much deeper and have found the best seg funds that are fee competitive with competitive long term consistent returns. They also have the typical benefits including:

• Principal Guarantees: You are typically guaranteed to receive 75% to 100% of your initial investment (adjusted for withdrawals) upon the contract’s maturity (usually after a 10-year holding period) or at death, protecting you from market downturns.
• Estate Planning & Probate Avoidance: Because these are insurance contracts, you can name a beneficiary directly. Upon death, the funds bypass the lengthy and public probate process, flowing directly to your beneficiaries—often within weeks—and saving on associated legal and executor fees.
• Creditor Protection: Under certain conditions, segregated funds can be exempt from seizure by creditors in the event of bankruptcy or lawsuits. This is a critical feature for small business owners and self-employed professionals.
• Reset Options: Some contracts allow you to “reset” your guaranteed amount. If the market value of your fund increases, you can lock in these gains, making the new higher value your new guaranteed minimum at maturity or death.
• Privacy: Unlike a will, which becomes a public document during probate, the payout of a segregated fund to a designated beneficiary remains private (except in Saskatchewan, where some disclosure is required).