Your financial life plan working for you.
When your values and vision for a fulfilling life are the foundation of your financial plan, and you decide on the strategies that work for you, you’re living the dream – life aligned®
Secure your future then reach for the stars
Grow Your Wealth
Picture doing exactly what you feel most passionate about. Sailing across the South Pacific. Running your own business. Writing your book. Retiring on your own terms, because your finances have been organized to make it happen.
Protect your family
A new family home, your children free to choose any college they desire and financial security for your spouse. There are significant milestones to be celebrated as priorities change over a lifetime.
Reduce your stress
Sit back, relax, and focus on what brings you joy. When your financial life plan is in place you can rest assured that you will be prepared to handle whatever life sends your way.
INTEGRATED PLANNING SERVICES CENTERED AROUND YOUR VALUES
VALUES AND VISION
All planning services stem from the most important part of your plan – your values and vision for a fulfilling life.
ASSET MANAGEMENT
Asset planning and management connect your life vision, goals and values, inspiring you to stay focused and on course as you build and maintain your wealth.
CASH MANAGEMENT
Your clarity about how you want your life to unfold enables you to manage your spending on a daily basis – in line with your priorities.
TAX PLANNING
For many people income taxes represent your largest single expenditure, so income tax planning plays an important role in helping you achieve your financial objectives.
ESTATE PLANNING
Creating a legacy through your estate requires thoughtful planning. Even small things done in strategic ways can have major impact.
PROTECTION PLANNING
Insurance is one of the most powerful financial planning tools available. It is also one of the least understood in terms of its potential.
INVESTMENT SERVICES
We are able to provide a wide variety of investment choices including GICs, segregated/insured funds. Also mutual funds, ETFs, stocks, and bonds, and a broad range of alternative investments and strategies through Fraser & Partners Investment Services.
Retirement/Fulfillment PLANNING
Providing for your income after you leave your career or fulfilling one of your dreams is where the full integration of our Life Aligned® planning is realized. Your vision, values, desires, and life circumstances combine with individualized financial planning for cash management, investment planning, risk coverage, tax planning, plus family and medical expenses that all contribute to your enjoyment of life.
Designing your plan together
Establish your values & Vision
Your values and priorities are the foundation of your life plan. When you are clear about what is most important to you, i.e. what makes your life meaningful, you are inspired and energized to take the actions that move you toward your life vision.
Review your current financial picture
Compiling your financial data creates a clear understanding of your financial picture. This enables you to make informed decisions based on actual facts and figures.
DESIGN YOUR STRATEGY
Using “what if” scenarios you develop with your planner, you will be able to test the financial impact of different decisions. It’s your life, we’re not going to tell you how you should live it. You select the outcomes that are right for you.
October 1 – December 31, 2023 – Prescribed Interest Rates for Q4
CRA publishes prescribed interest rates each quarter. If you are in arrears to the government, for example, late in paying your income tax instalment, you will be charged interest.
June 13, 2023 – CRA Launches New Online Form to Apply for the Disability Tax Credit (DTC)
This new online form was created to make applying for the DTC an easier and more efficient process. Applicants no longer need to print out the form and take it to their doctor.
How to Keep the Family Cottage in the Family: Strategies to Incorporate Now to Reduce Capital Gains Tax When You’re no Longer Here
Many Canadians love their family cottage and expect to pass it on to the next generation. But the rising value in real estate can offer a real problem that may make it impossible for the legacy of the cottage to live on. As a secondary residence, capital gains tax kicks in and can be substantial, but there are ways to minimize the impact.
May 25, 2023 – Assuris Life and Health Insurance Policy Protection Increases
Assuris protects Canadians holding individual and group life and health insurance policies issued by member companies should the insurer fail.
Identity Theft is No Joke
On March 8, 2007, at the Inn at The Forks, we hosted an event called “Identity Theft: How to Protect Yourself”. Sixteen years later, identity theft is more prevalent than ever.
A client recently shared her story of identity theft with us, here’s what happened in her words.
Your Complete Annual Guide to TFSA Contributions
QUICK OVERVIEW: WHAT IS A TAX-FREE SAVINGS ACCOUNT (TFSA)? First introduced in the 2008 Federal Budget by then Minister of Finance, Jim Flaherty, the TFSA was made available to Canadian residents...
Can you spot a scam before it’s too late?
Leading into tax season, you may see a few more calls or important messages from “CRA” (wink, wink). But, getting caught up in a scam is no laughing matter. Can you spot a fraudulent call or email before it’s too late?
Your Comprehensive Guide to Estate Planning
Estate planning is an important component of your overall financial life plan. It draws upon your values and how you can fulfill some of your lifelong goals.