WHAT CREATES WELLNESS AND SURPLUS?

Legacy Lifestyle Planning


WHAT CREATES WELLNESS AND SURPLUS?

Legacy Lifestyle Planning


 

WHEN IT COMES TO YOUR FINANCES,

YOU WANT PEACE OF MIND

Here’s How I Work


My clients rely on me for objective advice and planning that goes beyond the numbers. Family harmony, business succession, estate equalization, and privacy are all considerations that are carefully discussed and planned around.

As an independent advisor, I have access to the marketplace for the best solutions that are tailored to your unique planning needs. I am competitive, creative, and have accomplished plans that:

  • Allow you to plan your finances to build and protect your wealth
  • Let you be in control of your financial destiny - we provide the comfort and confidence of knowing where you’re at and how to get to the next level
  • Help you achieve the best balance of lifestyle today with security for tomorrow, and certainty for the next generations

CONTACT ME
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WHEN IT COMES TO YOUR FINANCES,

YOU WANT PEACE OF MIND

Here’s How I Work


My clients rely on me for objective advice and planning that goes beyond the numbers. Family harmony, business succession, estate equalization, and privacy are all considerations that are carefully discussed and planned around.

As an independent advisor, I have access to the marketplace for the best solutions that are tailored to your unique planning needs. I am competitive, creative, and have accomplished plans that:

  • Allow you to plan your finances to build and protect your wealth
  • Let you be in control of your financial destiny. We provide the comfort and confidence of knowing where you’re at and how to get to the next level
  • Help you achieve the best balance of lifestyle today with security for tomorrow, and certainty for the next generations

CONTACT ME
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A FINANCIAL PLANNING PROCESS

The Meaningful Life

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1. THE VISION


What would you like to see happen? If all things aligned where would you be, what might that look like? A vision for your future brings focus and clarity to the ‘ends’ of your accomplishments. It answers where all the ‘means’ are taking you.

2. THE PLAN 


This defines the goals and the timelines that have come out of your vision process. This gives us rails to run on and is the blueprint we come back to in order to measure progress and results. This plan ensures you are creating the margin you’d like to see with your schedule, emotions, risk tolerance, and finances.

3. THE PERFORMANCE


This is a balance between what we have both agreed to work on and commit to. This is what we discuss in the ongoing meetings to see ‘what’ if anything has changed. How is the growth, the deposits, the marketplace, the income, the portfolio, the timeline all working towards the Plan?

4. THE FULFILLMENT


Once we reach your cottage, income, debt-free, lifestyle, inheritance, charitable goal – what else would you like to plan for? This is where we rinse and repeat. The Meaningful Life Planning Process is a proven and repeatable tool that is used to create more meaning and fulfillment in your world.

A FINANCIAL PLANNING PROCESS

The Meaningful Life

Image

1. THE VISION


What would you like to see happen? If all things aligned where would you be, what might that look like? A vision for your future brings focus and clarity to the ‘ends’ of your accomplishments. It answers where all the ‘means’ are taking you.


2. THE PLAN 


This defines the goals and the timelines that have come out of your vision process. This gives us rails to run on and is the blueprint we come back to in order to measure progress and results. This plan ensures you are creating the margin you’d like to see with your schedule, emotions, risk tolerance, and finances.


3. THE PERFORMANCE


This is a balance between what we have both agreed to work on and commit to. This is what we discuss in the ongoing meetings to see ‘what’ if anything has changed. How is the growth, the deposits, the marketplace, the income, the portfolio, the timeline all working towards the Plan?


4. THE FULFILLMENT

4. THE FULFILLMENT


Once we reach your cottage, income, debt-free, lifestyle, inheritance, charitable goal – what else would you like to plan for? This is where we rinse and repeat. The Meaningful Life Planning Process is a proven and repeatable tool that is used to create more meaning and fulfillment in your world.


 

THE COMPREHENSIVE PLANNING PROCESS

Made Simple for Solutions

THE COMPREHENSIVE PLANNING PROCESS

Made Simple for Solutions

 

WHAT IF YOU HAD CONFIDENCE IN YOUR FINANCES?

Know the Impact

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Most are surprised and unprepared to discover their ultimate tax liabilities in Alberta...

Almost 50% of retirement savings will be taxed after the second death of both spouses.

You may pay the government $500,000 per $1 million of retirement savings.


Over 40% of holding company/operating company assets will be paid in taxes on the second death of both spouses.

You may pay the government over $400,000 on every $1 million of investment holdings.


24% of accumulated capital gains from investments, real estate and business equity will be paid as taxes on the second death of both spouses.

You may pay the government almost $1 million per $5 million of investment growth.

WHAT IF YOU HAD CONFIDENCE IN YOUR FINANCES?

Know the Impact

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MOST ARE SURPRISED AND UNPREPARED TO DISCOVER THEIR ULTIMATE TAX LIABILITIES IN ALBERTA...

Almost 50% of retirement savings will be taxed after the second death of both spouses.

You may pay the government $500,000 per $1 million of retirement savings.


Over 40% of holding company/operating company assets will be paid in taxes on the second death of both spouses.

You may pay the government over $400,000 on every $1 million of investment holdings.


24% of accumulated capital gains from investments, real estate and business equity will be paid as taxes on the second death of both spouses.

You may pay the government almost $1 million per $5 million of investment growth.

WHAT DO YOU HAVE IN PLACE FOR YOUR LEGACY?

Here’s My Expertise

CORPORATE &

PERSONAL INVESTMENTS

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RISK

MANAGEMENT

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LEGACY &

ESTATE PLANNING

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  • On-Going Portfolio Management
  • Portfolio Construction
  • Monitoring & Implementation
  • Understanding Risk Tolerance
  • Progress Updates
  • Determining Rates of Return
  • Risk Blindspots
  • Loss of Income Due to Illness
  • Coordinating Insurance Planning
  • Selection for Long-Term Care Options
  • Reducing Personal or Business Risks
  • Providing for Surviving Spouse and Family
  • Maximize Estate Value
  • Minimize Taxes
  • Inheritance Planning
  • Family Planning
  • Maximize Wealth Transfers to Beneficiaries
  • Coordinated Estate Planning with Other Advisors

QUALITY

FINANCIAL PLANNING

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TAX

PLANNING

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  • Retirement Planning
  • Cash-Flow Planning
  • Lifestyle Planning
  • Plan Overview Strategies
  • Progress Update Process
  • Tax Change Updates
  • Tax Efficient Portfolios
  • Tax Efficiency Planning
  • Coordinated Tax Planning with Other Advisors

WHAT DO YOU HAVE IN PLACE FOR YOUR LEGACY?

Here’s My Expertise

CORPORATE &

PERSONAL INVESTMENTS

Image
  • On-Going Portfolio Management
  • Portfolio Construction
  • Monitoring & Implementation
  • Understanding Risk Tolerance
  • Progress Updates
  • Determining Rates of Return

RISK

MANAGEMENT

Image
  • Providing for Surviving Spouse and Family
  • Coordinating Insurance Planning
  • Reducing Personal or Business Risks
  • Risk Blindspots
  • Loss of Income Due to Illness
  • Selection for Long-Term Care Options

LEGACY &

ESTATE PLANNING

Image
  • Maximize Estate Value
  • Minimize Taxes
  • Maximize Wealth Transfers to Beneficiaries
  • Coordinated Estate Planning With Other Advisors
  • Inheritance Planning
  • Family Planning

QUALITY

FINANCIAL PLANNING

Image
  • Retirement Planning
  • Cash-Flow Planning
  • Lifestyle Planning
  • Plan Overview Strategies
  • Progress Update Process

TAX

PLANNING

Image
  • Tax Change Updates
  • Coordinated Tax Planning With Other Advisors
  • Tax Efficient Portfolios
  • Tax Efficiency Planning