Wealth Management

Financial Planning

1. Retirement
2. Investment
3. Estate Planning
4. Insurance
5. Finances
6. Taxation

Whether you seek to save for your retirement, to learn to better manage your personal debts, to plan for your children’s education or to carry out a considerable project, your advisor and his team of specialists*, will have all the resources required to help you choose a solution that suits your situation.

* In Québec, financial planning services are provided by IQPF-registered advisors.

1. Retirement

Take advantage of our expertise to live out your retirement dreams. We will help you each step of the way, from accumulation to disbursement.

We have the expertise necessary to help you in this process. With our help, you will be able to accurately define your objectives and retirement needs, as well as determine the right strategies to execute at opportune times of your life.

Typically, we go through four life stages during which it is critical to review our savings and investment strategies to ensure that we remain on the right path to our dream retirement:

• Accumulation - This stage concerns you if you are just starting your career and have very few invested assets with relatively high expenditures.
• Preservation - This stage applies when you have begun accumulating retirement savings, and have a stable career and family life. What matters most at this point in time is to preserve your wealth, while continuing to grow your assets with calculated risks.
• Disbursement - This stage refers to retirement. This is when it is important to properly manage your wealth by using the right disbursement strategy so that you may optimize your pension income.
• Transfer - This stage concerns the transfer of your wealth. It is important for you to have prepared the transfer of your assets and implemented the right succession plan.

Take advantage of our knowledge and experience to make the right decisions, according to your situation. We will establish a retirement projection which will become the flight plan for your retirement. It is an essential tool.

2. Investment

Optimum return on your investments

The basis of a portfolio must take into account three basic elements:

• capital protection
• superior performance
• tax efficiency

With a proactive approach, we will help you complete each of the following steps:

• Determine your investor profile
• Set your investment objectives, based on your risk tolerance and target returns
• Review your current asset mix
• Analyze the type of income you receive and assess its tax impact on your financial position
• Choose the investment instruments most efficient for your situation

We will propose a plan to transition from your current investment portfolio to an optimal portfolio.

We will assist you in optimizing your financial situation.

3. Estate Planning

Plan for your loved ones

• Review your will and estate plan to ensure they remain compatible with your changing plans.
• Make sure your assets are transferred smoothly and in accordance with your wishes, in a structured, timely manner, while minimizing your tax burden.

Preparing an estate plan will prevent family, taxation and legal problems for your heirs. If you have a valid, up-to-date estate plan and will, you can be confident that your wishes will be respected.

4. Insurance

Enjoy peace of mind

Because the future is uncertain, we will work with you to make sure that you and your family are financially secure.

• Analysis of your current coverage and your needs for life, disability and health insurance.
• What are your needs today and how to optimize your protection?

5. Finances

Manage your finances efficiently

• Manage your assets and liabilities to optimum effect.
• Maximize your finances and free up cash for projects you care about.

Whether you want to manage your personal debts or take on a major project, such as buying a business, we can help you by analyzing your current situation and your needs in order to propose the best solutions.

6. Taxation

Minimize the effects of taxation

Taxes are your biggest expense.

Income taxes significantly reduce your net income and ability to save, negatively affecting your wealth.

To ensure optimal financial planning, we will use a comprehensive approach to:

• Estimate your annual tax burden
• Analyze your investment portfolio and assess tax impacts
• Identify eligible options for reducing your income tax