We Provide SOLUTIONS for ALL Phases of Your LIFE.

Our clients look to us for experience, added value and advice!

We make the complex simple.

We create L.I.F.E. Plans that help manage the day-to-day as well as long term decisions.

We bring practical advice and solutions that are appropriate to your situation.

The Phases of Your L.I.F.E.

We provide a wide-range of financial planning service including:

Pre-Retired

  • How much do you need to save?
  • How long will your money last?
  • Analysis of Pension Options, Joint/Single Life Survivor Options
  • When should you take your CPP?
  • Tax efficient drawdown of RRSP/RRIF Accounts


Retired 

  • Downsizing
  • Tax Efficient Income
  • OAS Claw back Issues
  • Cash Flow Planning
  • Estate Planning with Insurance Solutions

Business Owners:

  • Insured Retirement Plans
  • Living Benefits – Critical Illness & Disability
  • Business Succession Planning
  • Review of Share Structure & Partnership


Cross-Border Exposure

  • Planning for Snowbirds – Potential Investment & Real Estate Liabilities
  • Estate Exposure & Management


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Our team will handle your entire financial life plan through each phase of your L.I.F.E. so the road ahead is smooth and easier to travel.

How are We Different?

Our Core Beliefs & Guiding Principles

The 'Typical' Client that we deal with is anything but typical, however they do share many of the same challenges. This is where we EXCEL, as we focus on the process of determining what is appropriate for each individual before suggesting their L.I.F.E Plan.


We care about your financial future, we understand that your assets represent your past and your future, our job is to offer sound advice for the best way to navigate the challenges.

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The L.I.F.E Blog

Welcome to our L.I.F.E blog, where share articles that will help you navigate the complexities of wealth management and investment strategies. Explore our insights to make informed decisions for a secure financial future.

Is It Time for Emerging Markets?

17 May, 2024
After remaining negative on emerging markets for about a decade, we have recently become more constructive. This edition we dive into emerging markets, both the good and bad.

Lots of Bulls & Bears

09 May, 2024
Take your pick. There is no shortage of both good and bad news floating about the financial markets. To be fair, this is always the case. The hard part is understanding which side is stronger today and which side will be stronger tomorrow. With markets up low to mid-single digits following a very strong Q4 finish to 2023, most would agree the optimists are carrying the day at the moment. It is not just rose-coloured glasses; there is good news out there. Economic growth signs or momentum appear to be improving year-to-date. Dial back a few quarters, and the U.S. economy remained resilient while other economies softened or were rather lacklustre, including Canada, Europe, Japan, and China, to highlight some of the biggies. Today, while Canada is struggling, momentum in the U.S. has moved even higher, and there are signs of improvement in most jurisdictions.

Earnings Optimism

01 May, 2024
There are three things you should rarely ever bet against: the Leaf’s opposing team in the playoffs, the American consumer’s ability to spend, and corporate profits. As we are now about halfway through U.S. earnings season, once again, positive surprises remain the norm; 81% have beaten. It's a bit better than the 20-year average of 75%. The highest surprise magnitude in some time.
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