Our Process for Financial Progress

The Building a Foundation ProgramTM is designed to help you construct a solid foundation for your financial future. It emphasizes organizing your financial affairs, restructuring debt and maximizing opportunities for creating wealth.

This program is most appropriate for motivated individuals or families with good cash flow and less than $250,000 of liquid net worth.

The Securing the Future Program™ is designed to help you take your successes to the next level. At this stage, you’re mortgage-free (or soon will be), your RRSPs are generally maximized and you are truly accumulating wealth. Your retirement goals are on track, as are your children’s (or grandchildren’s) education funds, and you want to keep your tax bill to a minimum. More sophisticated investment products can now be used to diversify risk, and tax strategies are employed to increase your after-tax returns.

This program is most appropriate for motivated individuals or families with excellent cash flow and between $250,000 and $1,000,000 liquid net worth (verification required).

The Preserving Wealth Program™ is designed to protect your accumulated wealth or to properly manage a windfall. Although a reasonable rate of growth is required, your emphasis has shifted to tax-efficient income and capital preservation. You want your finances to be worry-free, but with excellent reporting, since family, business, travel and/or health are your main concerns at this stage. Private money managers may be employed when it is necessary and cost effective. Key planning tools include trusts for income splitting, and Wealth Protection Planning™ for the tax-effective transfer of wealth to your heirs.

This program is most appropriate for motivated individuals or families with excellent cash flow and $1,000,000+ liquid net worth (verification required).

The Corporate Class Enhancement™ is a program enhancement designed for successful business owners. It emphasizes the integration of business and personal financial affairs to balance the risks of business with the security of personal finances. We understand the unique demands that a business owner faces, so we ensure that planning time is well-focused and efficient.

There are a variety of powerful, Canada Revenue Agency (CRA) registered and approved plans that have been created exclusively for successful Canadian business owners. Any business owner who has not explored the benefits of an Advanced Individual Pension Plan™ (AIPP), Retirement Compensation Arrangement (RCA), Wealth Protection Plan™ (WPP) or Employee Profit Sharing Plan (EPSP) may be missing out on some of the most powerful wealth-accumulation and tax-saving vehicles available to business owners.

This program enhancement is most appropriate for the successful business owner who wants to make the best use of the legal strategies written into the Income Tax Act specifically for Canadian business owners.