We guide your journey to a full life with confidence.

We believe wealth and insurance planning is about more than just finances—it’s about helping you experience a fulfilling and balanced life. Our role as trusted advisors is to guide you through each stage of your financial journey, offering the expertise, support, and comprehensive solutions you need to achieve your goals. 

Our commitment to you is built on relationships, trust, and professionalism. Through our PACT—Professional, Accountable, Committed, Thorough—we provide personalized financial advice tailored to your unique life stage, whether you’re starting out, building wealth, or planning for retirement.  

With a focus on holistic planning, we work closely with you to ensure all aspects of your financial life are in order, helping you achieve a balanced and fulfilling life as we guide you through life’s complexities. 

OUR PROCESS  

Navigator Planning Process. Clarity and insights drive progress and success. 

Our proprietary Navigator process offers a fresh perspective and integrated approach to address the complex intersections of business and family, marriage and relationships, and aging parents and children at all of life’s stages.

Through our Discovery process, we ask a lot of questions.  We seek to understand you and what’s most important in your life.  We then provide you with a written Assessment report, identifying what’s in order and what needs some attention.  We then build an Action plan to work on together with you, to ensure you are in great financial shape and live your life to the fullest. 

Wealth Management

Wealth Management takes into consideration the following core areas: 

  • Goal Setting: Determine what you are saving for, over what time horizon
  • Investment Strategy: Develop a plan tailored to your unique needs
  • Tax Planning: Utilize accounts such as RRSPs, RRIFs, TFSAs, RESPs and FHSAs to reduce taxes and enhance savings
  • Risk Assessment: Regularly review to align with your evolving financial situation
  • Asset Allocation: Optimize the mix of stocks, bonds and cash
  • Contributions: Prioritize regular contributions to build wealth
  • Review and Adjust: Regular review of your overall financial picture, to adapt to changes in goals, market conditions, and life circumstances

Wealth Management

Wealth Management takes into consideration the following core areas: 

  • Goal Setting: Determine what you are saving for, over what time horizon
  • Investment Strategy: Develop a plan tailored to your unique needs
  • Tax Planning: Utilize accounts such as RRSPs, RRIFs, TFSAs, RESPs and FHSAs to reduce taxes and enhance savings
  • Risk Assessment: Regularly review to align with your evolving financial situation
  • Asset Allocation: Optimize the mix of stocks, bonds and cash
  • Contributions: Prioritize regular contributions to build wealth
  • Review and Adjust: Regular review of your overall financial picture, to adapt to changes in goals, market conditions, and life circumstances

Insurance Planning

Life insurance is a versatile financial tool helping individuals and families in several ways: 

  • Income Replacement: Provides financial support to dependents after the loss of an income earner
  • Debt and Final Expenses: Covers outstanding debts and funeral costs
  • Estate Planning: Offers liquidity to pay estate taxes and transfer wealth smoothly
  • Business Continuity: Protects businesses by funding buy-sell agreements or replacing key personnel
  • Charitable Giving: Enables donations to charities through beneficiary designations
  • Cash Value Growth: Permanent policies accumulate cash value that can be accessed for financial needs
  • Retirement Income: Can supplement retirement through policy loans or withdrawals
  • Tax Benefits: Life insurance payouts are generally tax-free, and cash value grows tax-deferred

Disability and Critical Illness insurance provide essential financial protection.   

  • Income Replacement: Disability insurance offers income if you cannot work due to illness or injury
  • Medical Cost Coverage: Critical illness insurance pays a lump sum, tax-free for serious illnesses, helping cover expenses not included in provincial healthcare
  • Support During Recovery: Insurance helps you to focus on healing without financial stress
  • Business Protection: Especially for those who are self-employed, insurance helps cover business expenses during periods of illness
  • Family Care Support: Provides financial resources to care for loved ones during serious health issues

Financial Planning 

  • Clarity and Direction: Provides you with a clear roadmap for achieving your financial goals
  • Improved Financial Awareness: Enhances understanding of personal finances, including income, expenses, and investments
  • Managing Cashflow: Provides a sense of how and where your money flows
  • Goal Achievement: Increases the likelihood of reaching short and long-term financial objectives
  • Retirement Security: Helps you prepare for retirement by estimating needs and maximizing savings
  • Tax Efficiency: Identifies strategies to minimize tax liabilities and optimize tax-advantaged accounts
  • Risk Management: Protects against unforeseen events through appropriate insurance coverage
  • Wealth Accumulation: Aids in building and growing wealth through informed investment decisions
  • Legacy and Estate Planning: Ensures a smooth transfer of assets and reduces potential estate taxes

Financial Planning 

  • Clarity and Direction: Provides you with a clear roadmap for achieving your financial goals
  • Improved Financial Awareness: Enhances understanding of personal finances, including income, expenses, and investments
  • Managing Cashflow: Provides a sense of how and where your money flows
  • Goal Achievement: Increases the likelihood of reaching short and long-term financial objectives
  • Retirement Security: Helps you prepare for retirement by estimating needs and maximizing savings
  • Tax Efficiency: Identifies strategies to minimize tax liabilities and optimize tax-advantaged accounts
  • Risk Management: Protects against unforeseen events through appropriate insurance coverage
  • Wealth Accumulation: Aids in building and growing wealth through informed investment decisions
  • Legacy and Estate Planning: Ensures a smooth transfer of assets and reduces potential estate taxes

Tax & Estate Planning

We help navigate the complexities of tax and estate planning, ensuring financial legacies are preserved and optimized. 

  • Tax: Understanding tax obligations and related planning
  • Investment Account Types: Use of tax-advantaged accounts to maximize tax-efficiency and growth potential
  • Income Splitting: to minimize the overall tax burden
  • Gifting assets: to reduce estate tax and provide support while you are alive
  • Advanced Planning: to ensure your estate flows smoothy and effectively to those you love
  • Probate Planning: to minimize taxes and fees and streamline the flow of assets to beneficiaries
  • Updating Wills and Estate Plans: to ensure they remain current in regard to your wishes and changes in legislation
  • Collaborate with other advisors: such as lawyers and accountants, to ensure a holistic approach

Succession & Contingency Planning

  • Succession Planning: Ensure a seamless transfer of business ownership and leadership to maintain continuity
  • Identify Successors: Help with selecting and preparing suitable successors from within the organization or family
  • Create a Detailed Plan: Develop a comprehensive succession plan, outlining roles, responsibilities, and timelines
  • Valuation of Business Assets: Draw on various resources to assess the value of the business to facilitate fair transitions and informed decisions
  • Tax & Estate Planning: Discuss tax implications of transferring ownership and strategies to minimize tax, now and ultimately in your estate
  • Develop Contingency Plans: Prepare for unexpected events (e.g., sudden illness or death) to ensure business continuity
  • Legal Considerations: Draw on various resources to advise on legal frameworks, including wills, trusts, and shareholder agreements, to protect interests

Succession & Contingency Planning

  • Succession Planning: Ensure a seamless transfer of business ownership and leadership to maintain continuity
  • Identify Successors: Help with selecting and preparing suitable successors from within the organization or family
  • Create a Detailed Plan: Develop a comprehensive succession plan, outlining roles, responsibilities, and timelines
  • Valuation of Business Assets: Draw on various resources to assess the value of the business to facilitate fair transitions and informed decisions
  • Tax & Estate Planning: Discuss tax implications of transferring ownership and strategies to minimize tax, now and ultimately in your estate
  • Develop Contingency Plans: Prepare for unexpected events (e.g., sudden illness or death) to ensure business continuity
  • Legal Considerations: Draw on various resources to advise on legal frameworks, including wills, trusts, and shareholder agreements, to protect interests