We believe that Wealth Mangement goes beyond traditional investment strategies.  We see it as encompassing your entire investment and financial life.  For each of our clients we design L.I.F.E. plans that are designed to offer BIG PICTURE strategies and solutions.  With our years of experience in working with our clients we find that there are different phases that they go through at different stages of their life.  We call these phases GROWTH, PRE-RETIRED, RETIRED and WEALTH TRANSFER.  The age that people enter these phases is not always the same for everyone, but we find that during each phase there are a number of similar issues that will be more important to you during a particular phase than at other times of your life.  The L.I.F.E. plan that we prepare focuses on the issues that are most important to you now, but is also be designed to be flexible as you progress to your next phase of life.  Below are some of the concerns we encounter as important to clients in the WEALTH TRANSFER PHASE.

This is something that should not be ignored, it is a time to make a few simple decisions. Not necessarily difficult if done properly, but because it is something that most people only go through a few times in life (at most) there can be a tendency to put it off, which is a mistake.

  • Review of potential taxes and probate fees. Strategy to minimize these fees wherever possible.
  • Strategies for Registered plans, non-registered investments, business assets.
  • Products / tools to use.
  • Immediate, Delayed or phased in over time.
  • Leaving a legacy based on what you want to occur.
  • Charitable Giving Strategies.

The government has a default plan for your wealth, if you want something different we need to become involved and make a plan.