Our Services

Tax and Estate Planning

Tax Planning

It’s a fact of life: the more you have, the more taxes you have to pay. Smart tax planning means keeping more of your hard-earned money where it belongs, in your pocket.

There are tax implications to each and every element of your integrated wealth plan; and we can recommend strategies designed to minimize the tax burden on your income and investments.

Remember: it’s not so much what you make that counts. It’s what you keep.


 
Estate Preparation

No one can predict the future with absolute certainty. But with a solid estate plan on your side, you can gain peace of mind knowing that the steps needed to ensure that your wishes for your family and estate are in place for the future.

By incorporating several key estate planning strategies that are based on your current circumstances and intended objectives, we can help you plan for where your assets will go, and how smooth the transfer will be.

 

Retirement Counselling

Research conducted for the Investment Funds Institute of Canada suggests that 74% of investors with an advisor felt that they would have enough money to retire on, compared to just 53% who did not have expert advice. (Ipsos Reid, 2010). If you’re not working with a financial professional towards your retirement goals, how much is it really costing you?

No matter what stage of life you’re in; retiring soon, already retired, or just starting your retirement planning, we can help you plan for and enjoy a financially secure retirement.

 

Business Succession Planning

If you’re a business owner, we can help you protect the business you have worked so hard to build, maximize its value and transfer ownership smoothly and tax-effectively.

We will work together to review all the options available to you and help you plan accordingly, from establishing buy-sell agreements to family limited partnerships and limited liability companies.

 

Investment Planning Advice

When it comes to investing, it is a disciplined approach that pays the greatest dividends.

We can help you prepare a prudent investment strategy tailored to your objectives and risk tolerance. Then, we’ll implement it, consistently and carefully, choosing from a broad range of best-in-class products and services, which can include Assante’s exclusive investment programs, as well as thousands of individual mutual funds and wrap programs.

Assante - an exclusive suite of managed portfolios

As an Assante client, you have exclusive access to the customized United Financial brand of solutions managed by CI Investments Inc. With active management from portfolio managers around the world, these leading solutions combine investment expertise with wealth planning strategies.


For high net worth clients with more complex wealth planning needs, you’ll benefit from the exclusive Private Client option through the United Financial division of CI Private Counsel LP.

 

Cash Management

Strategy, discipline and long-range planning are all well and good, but you can’t put life on hold. What about right here and now? Your integrated wealth management plan needs to be flexible enough to accommodate the opportunities that present themselves today.

By considering your cash and credit needs along with all the other components of your financial affairs, we can ensure that you and your family enjoy quality of life today while also working toward your financial goals for the future.

 

Charitable Planning

Including charitable giving as part of your overall wealth plan can have many benefits for you, your heirs, and those in your local community or in countries across the world.

If properly integrated, it can provide a tax-efficient means for you to transfer your wealth while supporting a cause that makes a difference to you.

To ensure that your planned giving has the greatest impact, whether it’s a significant gift to a favourite charity or establishing a foundation, we have access to the tax, legal, and estate planning professionals to help make these philanthropic dreams come true.

 

Debt Management

Almost everyone incurs debt at some point in their lives. That’s why debt management should play a fundamental role in your financial plan. It is important for you to have the capacity to pay for unplanned expenses or major life changes.

By assessing your current debt situation, we can assist you in handling your current debt and assess how well prepared you are to handle any further debt.

 

Insurance

Insurance is more than just a safety net. From basic life protection and tax-sheltered investing to more advanced strategies, we can help you understand each insurance alternative and its potential benefits.

With insurance planning as part of your wealth management strategy, you can manage risk at every stage of your personal and professional life to help strengthen and safeguard your family’s financial security.