Our services
Individuals, families and self-employed
Let us accompany you, advise you in your financial steps and clarify for you the mass
of available information.
We collaborate and work with the support of other professionals such as accountants,
tax professionals, lawyers and notaries as well as funds managers to cover all aspects
of your projects.
Financial analysis and planning
(In collaboration with our accounting and tax partners)
Each personal situation is unique and it is a matter of creating and implementing a financial plan specific to each.
-
Diagnosis of the personal financial and banking system
-
Proposal of banking and financial solutions and tools
-
Planning of the objectives and needs of the events of life
-
Budget and cash-flow planning, your lifestyle, balancing want and can
-
Management and consolidation of debts and lines of credit
-
Risk management
-
Accumulation strategies
-
Tax strategy, during lifetime, death and assets abroad
-
Cash damming strategy
-
Trusts
-
Transition Strategies and Retirement Planning RRSPs, RRIFs, LIRAs, LIFs
-
Loss of Employment, Decision Support and Financial Transition Pension Fund, LIRA, LIF
-
Government programs
-
Project funding
Taxes and investment strategies
(in collaboration with our accounting, tax and management partners)
Investing is easy ... when one knows the administrative subtleties as well as the market, the tools and the concepts adapted to each one.
​
Our job is to accompany you and help you grasp and understand your possibilities in the services and products below:
-
Risk profile
-
Savings objectives
-
Reassessment and rebalancing of portfolios
-
Performance and accumulation
-
Optimization of sources of income and asset allocation
-
GICs, Segregated Funds, Mutual Funds, ETFs, Exempt market securities
-
Systematic saving program and rebalancing
-
Deductible expenses and cash damming strategy
-
Leveraged loan
-
Currency hedging
-
Diagnosis and tax optimization
-
Income Splitting
-
Optimization of unused RRSP and TFSA room and non-registered investments
-
RRSP Loan
-
RESP (Registered Education Savings Plan)
-
RDSP (Registered Disability Savings Plan)
-
Management of capital losses
-
Trusts
-
Private banking
Risk management and insurance
It is all about assessing together your risk preparedness for you and your loved ones in order to minimize the financial consequences when unfortunate events occur.
Protecting you helps you reach a certain peace of mind knowing that you are doing your best for your loved ones in terms of:
-
Income protection for you and your loved ones
-
Protection of quality of life and heritage for you and your loved ones
-
Last expenses
​
It is important to understand the differences and options available to you in the world of insurance. Why subscribe and how much coverage, is your group insurance enough?
We are here to help you select the coverage that suits your needs and the best market premium for:
-
Life insurance
-
Disability insurance (accident and / or illness)
-
Critical illness insurance
-
Mortgage protection insurance
-
Complementary healthcare insurance
-
Long term care insurance
-
Travel insurance
-
Insurance without medical examination or the so-called "non-traditional" market
Estate planning
No one likes to think about this, but doing our best to pass on our work, vision and heritage makes life easier for our loved ones and provides satisfaction. We are here to accompany you in the realization of your wishes.
​
-
Estate bilan
-
Optimization and valuation of estate taxes
-
Tax rolling
-
Transfer of assets , alive and/or after passing
-
Heirs & Beneficiaries
-
Testamentary Trust and/or Foundation
-
Insurance
-
Planned Gifts
Legal aspects
(in collaboration with our partners lawyers and notaries)
Proper financial planning considers aspects and events of your life and legal documents are integral parts of your protection
​
-
Documents that accompany the events of life
-
Will
-
Will certification in Québec
-
Marriage and union contract
-
Testamentary Trust and / or Foundation
-
Mandate of incapacity and general power of attorney