Retiree

During the last market downturn a few years ago, retirees who had all their assets in equities saw their nest egg shrink by almost 35% over a 12 month period. This is an absolute nightmare scenario for a retiree, and unfortunately, it was a reality for too many hard-working people.

Proper asset allocation is critical for a successful long-term financial strategy and it is especially important for retirees. As a general rule, it is unwise for a retired to have 100% of their assets in equities at any time. But figuring out what that percentage should be takes a lot of personal investigation into each person’s risk tolerance and investment objectives.

During retirement, income needs can become pressing. Can you generate sufficient income without drawing down on your principal? What is the best way to generate income without taking excessive risks?

A financial advisor can help you figure out what level of risk is suitable for you. Even the best captains have an entire crew to help them run the ship. Your financial adviser can be your first mate, peering through the binoculars to scan the horizon for obstacles that can sink the ship.

Who will you choose to help you navigate the voyage of retirement?

Investment Fund

Today there are thousands of investment funds available across Canada. In order to assist our clients with creating quality portfolios, we use software to select only those investment funds that meet each client's risk tolerance...

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GIC

Guaranteed Investment Certificates are issued in your name and can't be sold except to the institution that issued them. You agree to keep the money in the GIC for a set period in return for a set rate of interest. Compound GIC's pay you interest on your interest. Instead of paying...

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TFSA

A Tax-Free Savings Account is a registered savings account that allows taxpayers to earn investment income tax-free inside the account. Contributions to the account are not deductible for tax purposes, and withdrawals of contributions and earnings from...

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Segregated Funds

Guaranteed Investment Funds (also known as "Segregated Funds" or "Individual Variable Insurance Contract") are basically enhanced Mutual Funds. They come with a protective wrapper provided by an...

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RRIF

A Registered Retirement Income Fund is an investment plan, established in accordance with Government of Canada requirements, into which you can transfer registered funds (usually your RRSP) without tax liability to establish a source of retirement income. Some RRIFs are....

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LIF

A Life Income Fund (LIF) is a retirement income plan using locked-in pension money and the owner of the LIF can control the investments held within the fund. In addition to the requirement for a minimum annual withdrawal (like a RRIF), LIFs also...

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LIRA

The Locked-In Retirement Account (LIRA) and Locked-In Retirement Savings Plan (LRSP) enable you, as an employee to maintain the tax-deferred status of pension plan proceeds received when you leave a company. LIRA's lock in your money, but not...

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Annuities

Annuities are one of the simplest investment vehicles one could acquire. Simply put, when you establish an annuity, you are purchasing a lifetime income. Examples of annuities are, Canada Pension Plan...

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Other Services

What are the benefits of working with a Financial Planner?

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You are more experienced now, your bank account is larger, and it is easier to think further ahead....

Without barely a moment’s thought, you would protect your family from an immediate threat. But would...

What our clients are saying...

  • We valued receiving a detailed report and explanation of our finances. When working with a financial planner, we expect to have our questions answered with adequate detail and to have a plan developed to help grow our money. Our expectations were clearly met and we would be happy to recommend Anthony to anyone looking for a Financial Plan.

  • We valued the fact that you sat down with us, heard what we wanted to say, asked for clarification and offered suggestions, and then came up with a detailed and well-reasoned plan in a short period of time and communicated that back to us so that we knew what we needed to do moving forward. Thanks!

    Our expectations for a financial planner are several fold: (1) Does the planner communicate well, in that they both listen but also offer suggestions and ideas in a clear easy-to-understand way, (2) Are they able to meet their client at the same energy/level and meet their specific needs? In our case we needed a tax minimization strategy within a short turn around time. (3) Did the planner actually do their job, in that were they able to provide ideas and suggestions that helped address the client's asks?

    We came to see you because we realised that we hadn't looked at how to minimize the taxes related to my Father’s estate planning and my mother’s future financial planning, and you were able to tell us things that we didn't know about, and offered us solutions that helped us with our future financial planning.

    You definitely met our expectations! In some ways, you actually exceeded our expectations. We were hoping that you could respond quickly, and you came up with a detailed and well-reasoned plan faster than we expected!

    Our only area of improvement we could think of was, given that the plan was very detailed, if we had an explicitly spelled out action plan with a timeline for completion.

    We are very happy and would definitely recommend you to our family and friends and in fact have already done so!

  • Anthony made the process very clear and explained each step along the way. He was very honest and straight forward. My expectation from a financial planner is that they are honest and transparent. Anthony definitely met my expectations and I would be happy to recommend him to my family and friends.

  • When working with a financial planner our expectations are to maximize our investments and have a solid plan for retirement. We now have a greater awareness of our current portfolio and options to best protect our estate. We were provided with good information to use in order to make better investment and estate planning decisions. We would gladly recommend Anthony to our family and friends.

  • We value the personal service and detailed explanations we receive from Anthony on an ongoing basis. We feel comfortable recommending Anthony to our family and friends as he is someone who we can trust and has our best interests in mind. He has been great at helping us work towards a comfortable and manageable retirement.

  • The financial planning process we went through was clearly outlined and explained to me. I wanted to have a better understanding of my financial position and to know whether I could retire early or not.

    I am happy to recommend Anthony to my family and friends.