Customized Strategies

As a client, you will benefit from a collaborative, one-on-one relationship with your Financial Planner, who will work with you to identify and prioritizes your financial goals and offers guidance and strategies specific to your individual needs. Additionally, you’ll have access to a vast range of quality investment and protection products. Your Financial Planner will empower you to make informed decisions about your finances, focusing on the six areas of financial planning, all of which have an equal impact on a sound financial plan:

Financial Position: A review of your financial position with a better understanding of where you are right now. This will help you determine if you’re making the best choices when it comes to cash reserves and debt management and whether your come, expenses and savings are balanced and appropriate for meeting your goals.

Wealth Accumulation: We will design a strategy to help you invest your assets in order to meet your financial goals by taking into consideration on your personal situation and tolerance for risk.

Retirement Planning: Obviously, the earlier you start saving, the more flexibility and freedom you’ll have to choose the when, how and where of retirement. If you’re a business owner, your Financial Planner can show you how to take advantage of Retirement strategies to maximize your retirement savings while offering plans that can reward and retain top talent. And even if you’ve already retired, your Financial Planner can help to ensure that your savings continue to work for you.

Estate Planning: Proper estate planning can help you to pass on more of your wealth to your family and charities than to taxes. It can take into consider the special concerns of young families with minor children, families who have members with special needs, business owners who need to address succession planning, or grandparents who’d like to help the grandchildren go to college.

Risk Management: Your Financial Planner can analyze your situation and help find ways to protect your income, assets and, if you’re a business owner, your businesses, at every stage of your life and as circumstances change.

Tax Planning: When applied appropriately in conjunction with a financial plan, tax strategies can help reduce the impact of taxes on investment returns and income. Your Financial Planner can provide guidance for ways to decrease, eliminate or defer taxes.