We offer a full suite of service capabilities to address each of your financial planning needs as your life evolves. We aim to serve as your trusted partner, working alongside you through each of your personal, professional and financial milestones to ensure your holistic wealth management strategy continually aligns with your needs and objectives.
Because people are living longer today, the possibility of going 30 years without a paycheque takes careful planning and disciplined investing. We can help you with every phase of planning for your retirement. During your working years, the accumulation phase, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, in the pre-retirement phase, we’ll assist you with critical decisions regarding retirement plan options and tax planning. Then once you are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you in retirement.
Many of our clients have embraced implementation of the Bucket System, which George McConechy discusses in his book, If Money Could Talk. This methodical approach helps us to ensure you have the retirement income you need, while minimizing erosion of your assets due to taxes and inflation. To learn more about this approach, watch George and Scott’s interview with Sybil Verch, Senior Vice President, National Director Wealth Management Raymond James Ltd.
Our objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We know that a proper asset allocation among cash, equity and fixed-income securities and alternative investments can be an effective way to pursue investment goals. We believe the formula for investment management should include the key components of skilled investment research, long-term planning and a well-managed professional relationship.
Asset allocation does not guarantee a profit nor protect against loss.
We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants, tax lawyers – to help minimize the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can help improve your prospects for meeting your financial objectives.
In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you may someday transfer to your heirs.
Please note: changes in tax laws or regulations may occur at any time and as financial advisors of Raymond James, we do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.
Leveraging the expertise of our network of professionals, we can offer guidance to help you protect your assets from seizure by creditors or lawsuits.
Advanced planning addresses the range of financial needs beyond investment consulting, including wealth enhancement, wealth transfer, wealth preservation and charitable giving. We leverage both the sophisticated resources available to us from Raymond James and the expertise of our network of professionals to ensure we can address your most sophisticated and complex wealth management needs.
Philanthropy can bring personal satisfaction, enabling you to support causes and organizations that matter most to you. It can result in significant tax advantages, as well – including income tax deductions, reduction of capital gains taxes, and lower estate taxes. We can help tailor a charitable giving plan for you that can include a charitable trust, donor advised fund, private family foundation, community foundation or outright gift.
Generational Wealth Transition
Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favourite charity, wealth transfer planning can help ensure that your assets are earmarked for the use you have intended.
A well-designed estate plan can effectively help you leave a lasting legacy and mitigate your family’s tax burden. We can offer strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.
By coordinating our efforts with your tax and legal professionals and working closely with you and your family, we will strive to help you establish a financial tradition that can be passed on for generations.
Each of our clients we’ve agreed to work with because we are confident we can make a positive difference in their financial life.