Insurance Planning - Life and Work

The process of establishing an effective insurance plan involves:

Developing an economic overview to define your objectives
Defining your time horizon and your lifestyle activities
An assessment of your risk tolerance
Incorporating your pension plan (if any) and government benefits
Integrating your current assets
Tax efficient planning

The planning should involve registered as well as non-registered investments.

Products used to achieve the plan are:

Annuities
Term Accounts
Guaranteed Investment Certificates
Mutual Funds*
Guaranteed Investment Funds (Segregated Funds)

The tax implications of your decisions with respect to non-registered money are critical. Below is a list of tax planning strategies:

Tax Efficient Investing

Leveraged Investing
Creditor Proofing Investments
Tax Effectiveness of Systematic Withdrawal Plans
Maximizing After-Tax Income
Prescribed Annuities

We are familiar with and knowledgeable about Government regulations impacting your investment opportunities, and work to achieve the maximum benefit for you.

Stay updated with any changes that may affect you.

Tax planning tools:

RRSP's
Locked-In funds from Pension Plans
RRIF's
Tax Efficient Investment (in non-registered situations)
Leveraged Investing
Income Splitting
Government Benefits (CPP & OAS)