Personalized Advice
While workplace seminars are an excellent way to provide financial education, providing access to one-on-one financial planning consultation allows privacy for personal financial topics. There are countless types of “advisers”. Unfortunately, a very large number of “advisers” are sales representatives working on sales goals or commissions which can create conflicts of interest. We believe it is crucial for a group plan to have provide access to financial advice with no hidden strings attached. That is why we work closely with The Steele Group, a team of dedicated Certified Financial Planners (CFP®), as a resource for individual financial planning needs.
Income
Management
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Tailoring income streams for clients
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Focusing on short – and long term – tax efficiency
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Being vigilant on net income figure
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Engaging all of the actions in layering income
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Providing specific direction on and integration of other income streams (OAS, CPP, pensions, etc.)
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Revisiting income needs and income strategy on a year-to-year basis
Investment
Strategies
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Creating portfolios within client risk profile
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Helping clients select investments and an investment strategy that align with the written plan
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Providing due diligence on investment and manager selection
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Monitoring performance
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Incorporating guaranteed income
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Striving for tax-efficient
investing and income
Asset
Management
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Deciding which assets to use and which to defer
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Funding TFSA accounts
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Developing an exit strategy for registered accounts
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Strategically moving corporate capital to personal accounts
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Delivering a survivor friendly and estate friendly outcome
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Monitoring the amount of withdrawals and the rate of withdrawals
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Identifying opportunities to make locked-in accounts more flexible
Risk
Management
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Investment risk
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Longevity risk
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Inflation risk
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Encroachment risk
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Withdrawal risk
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Taxation risk
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Health cost risk
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Premature death risk
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Critical illness risk
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Disability risk