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Our Services

A successful wealth accumulation and retirement income plan needs to be built around your unique financial situation and long-term financial goals. With the right strategies and guidance in place, you can build the financial security required to reach your goals and embrace a comfortable and fulfilling retirement.

Financial plans can be broken down into two types:

A segmented plan – addresses only one specific important area of your financial situation. For example, an investment plan addresses only your investment related goals and strategies. A tax plan only address your tax related goals and strategies. An estate plan only addresses the eventual transfer of your assets to your intended beneficiaries.

A comprehensive or holistic financial plan – recognizes that there are many important and critical areas of life that can (and usually do) have a profound effect on you financially.  We developed the Crystallization Elements™ to illustrate these areas. A development in one area seldom occurs without having an impact on one or more other areas.

We strongly feel that a comprehensive or holistic financial plan is imperative to ensure that all elements of your financial life have been addressed. Furthermore, the effect of one element on other element(s) is a vital component of a truly rock solid financial plan.

Services

Holistic Financial Planning
Retirement Savings Planning
Retirement Income Planning
Tax Planning
Estate Planning

Debt Management
Risk Management Planning
Cash Flow Planning/Budgeting
Charitable Giving
Education Planning
Estate and Trust Services

Insurance Products*

Life Insurance (Term, Permanent)
Disability Insurance
Critical Illness Insurance
Travel Insurance 
Health and Dental Insurance
Group Insurance*

Segregated Funds

 Investment Products

Exchange Traded Funds (ETF's)
Mutual Funds
Individual Securities (Stocks/Bonds)
Wrap Accounts
Guaranteed Investment Certificates (GIC's)
High Interest Savings Accounts

Investment Vehicles

Registered Retirement Savings Plans (RRSP's)
Locked-In Retirement Accounts (LIRA's)
Tax Free Savings Accounts (TFSA's)
Registered Education Savings Plans (RESP's)
Non-Registered Accounts
Corporate Investment Accounts
Registered Retirement Income Funds (RRIF's)
Life Income Funds (LIF's)

Contact Us

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