Investment and Retirement Planning
The process of establishing an effective investment or retirement plan involves:
- Developing an economic overview to define your objectives
- Defining your time horizon and your lifestyle activities
- An assessment of your risk tolerance
- Incorporating your pension plan (if any) and government benefits
- Integrating your current assets
- Tax efficient planning
The planning should involve registered as well as non-registered investments.
We are familiar with and knowledgeable about Government regulations impacting your investment opportunities, and work to achieve the maximum benefit for you.
Tax planning tools:
- RRSP's
- Locked-In funds from Pension Plans
- RRIF's
- Tax Efficient Investment (in non-registered situations)
- Leveraged Investing
- Income Splitting
- Government Benefits (CPP & OAS)
Products used to achieve the plan are:
- Annuities
- Term Accounts
- Guaranteed Investment Certificates
- Mutual Funds*
- Guaranteed Investment Funds (Segregated Funds)
The tax implications of your decisions with respect to non-registered money are critical. Below is a list of tax planning strategies:
- Tax Efficient Investing
- Leveraged Investing
- Creditor Proofing Investments
- Tax Effectiveness of Systematic Withdrawal Plans
- Maximizing After-Tax Income
- Prescribed Annuities