Coordination of your Professional Advisors. Too many advisory teams work in isolation. We coordinate the services of your professional team or introduce you to professionals we trust. We streamline managing your financial and estate affairs so your wealth enhances your life, not overwhelms it.
Prudent financial plans. These include well thought out investment strategies, realistic retirement projections, helping to manage portfolios for aging family members, charitable giving and insurance to protect your family’s income flow and reduce taxes upon death.
Efficient wealth transfer to future generations. We will develop a plan to transition assets to surviving spouses, children and grandchildren with a minimum of stress on family dynamics. This may involve testamentary trusts or family trusts, corporate structuring, creditor proofing, and succession planning. We work closely with Trustees and help you choose new ones as seniors pass away. We also help Executors/Executrices, and individuals with Powers of Attorney over elderly parents’ investment portfolios, to deal with the management of their affairs properly. With sensitivity, we make financial decisions and transitions as easy as possible. Taking the emotion out of financial decisions, along with our team of tax and estate planning specialists we will create an equitable plan.
Efficient tax planning. We co-ordinate with your accountant and tax lawyer to provide the financial data they need to file your returns and work with them to incorporate tax efficient investments and strategies into your Family’s overall plan. If you work in the U.S. or own assets south of the border, we will provide your accountant with the necessary details to ensure that you file the appropriate tax returns and streamline financial complications arising from earning cross-border income or dividends.
Mitigation of estate and financial risks. We will help protect your assets from investment risk and also protect your family’s ability to earn income through insurance in the event of a critical illness or death of a primary income earner. We cover tax liabilities so you are prepared for the cost of transferring a business or vacation property to the next generation. Large asset bases can attract large debt, so liability management is key. We identify good debt from bad, and will work with you to obtain the best interest rates and customized solutions.