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Wealth Management


Risk Management

Growing and building assets is very important, but at the same time, protecting one’s life and hard-earned assets against unexpected life events are also important. Personal risk management is the process of identifying, measuring, and treating personal risk, followed by implementing the treatment plan and monitoring changes over time. Tools used to include but not limited to insurance and family trust.

Tax Planning

Proper tax planning strategies will always play a very important part at all age, and we understand the importance of strategically integrating of tax strategies with overall wealth management plan. We work with experienced CPAs to provide proper tax planning to our you, and are happy to work with your accountants and lawyers effectively and legally minimize the amount of money you are paying out. Some common strategies include the utilization of various registered accounts and family trust, proper usage of debt instruments and insurance, choosing tax efficient investments, and etc. The use of these strategies will vary based on personal circumstance.


Retirement Planning

Retirement planning is one of the most discussed topics in Canada. It is always discussed by advisors, various calculators and simple concepts are also available online. Government of Canada even have a website dedicated to this topic.

Even though Canada is a country well known for its world leading social benefits, retirement planning grows more and more important because of the per longed life expectancy. Retirement used to mean 10 – 15 years after retirement, now the average retirement life lasts for at least 30 years. That means you need to plan for longer and for more. Furthermore, relying solely on social security or a pension is risky. Retirement does make you eligible for low-cost medical coverage and monthly benefits, they most likely won’t be enough to give you the comfortable retirement of your dream. Medical support and social benefits are meant to supplement for retirement income, instead of being the solely income source.

Estate Planning

Estate planning often arises when the new generation is born or when retirement is closer. Whether it’s leaving a legacy for your family or donate to charity, how to reduce taxes and ensure your beneficiaries inherit what you intended for them are always important questions to solve.

In estate planning, Canadians do not have to contend with an estate tax the way U.S. citizens do. However proper planning with help you to mitigate risks, avoid unnecessary hassle, remove burden on family, and to retain a higher estate value. Trusts and insurance should be in place to avoid delays and extra expenses. The proper utilization of these strategies and tools can help you to distribute wealth in the way you want them to. Ultimately, we want to plan for a way to be remembered.


Global Asset Management

With the growing amount of immigrates and international business in Canada, international asset transfer is becoming a topic for a lot of families, especially those who are looking to a fresh start in Canada. Canada’s $1.6 trillion economy is one of the largest and most stable in the world, and have been attracting foreign investments for a long time. However, there are some unique characteristics and legal considerations to understand beforehand. We will work with you to provide proper international asset transfer strategies, in order to help you to participate in the local market quickly.