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We base our planning process on the principle of income replacement. Your lifestyle is dependent on the level of income you earn. If your income stops, your lifestyle will decline. During your working career, your greatest asset is you at work. Three things can prevent you from working: death, disability and retirement. Therefore, you need to plan for those events. After you leave your working career, your greatest asset is money at work. The key to having money at work for you is to send money ahead during your working career. The Question is, "How much?" We can help you answer that and other questions you may have about your personal, business and family plans for the future. Financial planning is a process, not an activity. It employs six separate steps.
- Clarify your present situation.
- Identify both financial and personal goals and values.
- Identify financial problems.
- Written financial recommendations.
- Implementing the right strategy.
- Periodic review and revision as necessary.
Our integrated planning service enables you to make better choices, to design a road map for your future financial direction. We can then help you in the application of your financial plan.
Businesses:
We specialize in the following services for farms and other businesses
- Retirement/Succession Planning
- Operating Agreements
- Financial Ratio Analysis
- Employee/Employer Benefit Plans
- Pension Plan/DPSPs/Group RRSPs
- Life Ins - Disability Ins
- Healthcare - Dentalcare
- Employee Assistance Programs
- Buy Sell Agreement Funding
- Key Person Insurance
- Disability Expense Protection
Individuals:
We specialize in the following services for Individuals
- Personal Financial Planning
- Retirement Income Planning
- Pension Income Maximization
- Life Insurance
- Disability Insurance
- Long Term Health Care
- Critical Illness Insurance
- Segregated Funds
- Mutual Funds offered through Quadrus Investment Services Ltd.
- Working Venture Funds offered through Quadrus Investment Services Ltd.
- Registered Retirement Savings Plan (RRSP)
- Registered Retirement Income Fund (RRIF)
- Annuities
- Life Income Fund (LIF)
- Locked Retirement Income Fund (LRIF)
- Prescribed Retirement Income Fund (PRIF)
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