Q: I am approaching retirement. What options do I have to ensure a secured income during my retirement?
A: We offer several strategies that will guarantee your income for life, taking advantage of market upturns in order to increase your future income payments, while ensuring they will never decrease.
We provide professionals with customized investment strategies that enhance and protect their financial worth, giving them peace of mind.
Our strategies are designed to mitigate risk and long term tax implications; For example:
It is important to plan for your retirement because you want to ensure that you have the resources necessary to achieve a retirement lifestyle you are happy with.
The sooner you start, the easier it becomes to achieve your goal. Our strategies will allow:
Estate planning aims to minimize the income tax consequences of preserving and transferring business assets to your beneficiaries. Some examples are:
Leveraging strategies are designed to provide Professionals with both protection and easy access to funds for alternative investment purposes.
We offer several unique strategies that allow Professionals to utilize excess funds within their company in a tax efficient way, while mitigating potential risks such as critical illness and / or death of the owner and key employees in the company.
These plans provide the company with funds that can be used to:
They also benefit the owner or key employee due to the ability to:
The purpose of Transition Planning is to ensure that you are well prepared for events such as retirement, disability or death; either yours or of a key person in your company.
Utilizing such strategies will:
In order to figure out where you currently are on both the personal and business fronts, find out where you would like to go and create a plan to get you there; we would need to conduct a Financial and Business Needs Analysis.
As a part of this process, we will ask you to provide us with some information and once we reviewed it; we will be able to provide you with our recommendations.
Our second opinion service is independent and objective.
We examine the investments and insurance coverage that you currently have in place to determine whether these are suited to your current circumstances and risk tolerance, and how they fit with your overall financial plan.
We share our findings and recommendations with you once we are done with our analysis, without any obligation from your part.
Making one-time decisions about investment mix and insurance coverage are not enough in our opinion. Life changes over time and those changes should be reflected in your portfolio makeup on an on going basis.
We look at your complete financial picture from a holistic point of view rather than as isolated pieces in a specific moment in time.
We monitor our clients’ investment and insurance structure to ensure that their portfolio is reflecting their current needs and goals and make any necessary changes, if needed, so that they have the peace of mind to concentrate on the things that are most important to them.
Q: How can I get a guaranteed income from my investments? A: We offer several strategies that will allow you to receive a predetermined income from your investment either for life or for a certain time frame of your choosing.
Q: I’m a business owner. How can I have critical illness insurance and at the same time put money aside for the future? A: We offer a unique plan that combines critical illness coverage with an investment component that may allow the insured to receive 100% of the paid premiums tax free at the end of the term.
Q: I’m in my 60’s. How can I invest my accumulated savings with minimum tax implication? A: We offer a variety of options that are tax efficient and either protected or fully guaranteed; hence provide you peace of mind that your savings will not erode over time.
Q: I am approaching retirement. What options do I have to ensure a secured income during my retirement? A: We offer several strategies that will guarantee your income for life, taking advantage of market upturns in order to increase your future income payments, while ensuring they will never decrease.
Q: I’m in my 70’s and accumulated some assets. How can I use my assets to receive a reliable income stream? A: There are several options that can be used to provide you with a guaranteed income for life and the ability to transfer any remaining capital to your beneficiaries upon your death.
Q: I’m in my 50’s and own a company. How can I invest excess funds I accumulated in my company and be able to effectively transfer them to my estate? A: We utilize strategies that allow you to distribute locked-in surplus to shareholders or your estate in a tax efficient way, which may result in tax savings of thousands of dollars.