ROCA Financial Solutions Inc.
Languages spoken: English, Spanish
Where Conversations Shape Tomorrow
Our mission is to partner with you to help transform tax planning into meaningful wealth today, while intentionally building legacies for tomorrow.
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High net worth and affluent
Securing the future for the next generation is only an appointment away. Let’s talk about your legacy.
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Helping business owners take control of their finances one step at a time.
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Enjoy the benefits of your hard work. Let’s make sure you are getting the most out of your success.
The Team at ROCA
We believe the most meaningful outcomes begin with thoughtful conversation. That is how trust is built and how a lasting impact is created.
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Our Approach
- Turning insight into action through strategic planning and ongoing dialogue.
- Navigating complexity and managing risk to align today’s decisions with long-term outcomes.
- Integrating tax planning, wealth strategy and protection considerations, to help build wealth today and intentionally shape legacies for tomorrow.
Business owners
Spend more time running your business and less time worrying about your business. A strong strategy can get you there.
Health insurance products
Health insurance gives you financial coverage to help pay for health-care needs. This insurance goes above and beyond Canadian health-care coverage.
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Reaching your financial goals starts with a budget and savings plan. Let’s make your money go further.
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Retirement Planning for Women: What Matters Beyond Retirement Savings?
Retirement planning is about much more than how much you've saved. Women often face a different financial reality including longer lifespans, potentially higher healthcare costs, and, on average, lower retirement savings.
Ideally, retirement planning should begin at least a decade before retirement. But if you haven't started yet, start where you are.
Think holistically about:
📌Retirement income planning: How will you turn your savings into sustainable income? When should you begin CPP and OAS? How will pensions, investments and other income sources work together
📌Healthcare and long-term care: What type of care would you prefer, who would support you, and how would you pay for it?
📌Important documents: Are your will, powers of attorney, beneficiaries and financial information organized and current?
📌Your people and your purpose: Don't just plan how you'll spend your money. Plan how you'll spend your time and with whom.
Retirement can be the beginning of an entirely new chapter. Plan for the income you'll need, the care you may need, and most importantly, the life you want to live.
Your retirement plan starts with a conversation. Let's Connect | Book a Meeting
Retirement planning is about much more than how much you've saved. Women often face a different financial reality including longer lifespans, potentially higher healthcare costs, and, on average, lower retirement savings.
Ideally, retirement planning should begin at least a decade before retirement. But if you haven't started yet, start where you are.
Think holistically about:
📌Retirement income planning: How will you turn your savings into sustainable income? When should you begin CPP and OAS? How will pensions, investments and other income sources work together
📌Healthcare and long-term care: What type of care would you prefer, who would support you, and how would you pay for it?
📌Important documents: Are your will, powers of attorney, beneficiaries and financial information organized and current?
📌Your people and your purpose: Don't just plan how you'll spend your money. Plan how you'll spend your time and with whom.
Retirement can be the beginning of an entirely new chapter. Plan for the income you'll need, the care you may need, and most importantly, the life you want to live.
Your retirement plan starts with a conversation. Let's Connect | Book a Meeting
Retirement Planning for Women: What Matters Beyond Retirement Savings?
Retirement planning is about much more than how much you've saved. Women often face a different financial reality including longer lifespans, potentially higher healthcare costs, and, on average, lower retirement savings.
Ideally, retirement planning should begin at least a decade before retirement. But if you haven't started yet, start where you are.
Think holistically about:
📌Retirement income planning: How will you turn your savings into sustainable income? When should you begin CPP and OAS? How will pensions, investments and other income sources work together
📌Healthcare and long-term care: What type of care would you prefer, who would support you, and how would you pay for it?
📌Important documents: Are your will, powers of attorney, beneficiaries and financial information organized and current?
📌Your people and your purpose: Don't just plan how you'll spend your money. Plan how you'll spend your time and with whom.
Retirement can be the beginning of an entirely new chapter. Plan for the income you'll need, the care you may need, and most importantly, the life you want to live.
Your retirement plan starts with a conversation. Let's Connect | Book a Meeting
Retirement planning is about much more than how much you've saved. Women often face a different financial reality including longer lifespans, potentially higher healthcare costs, and, on average, lower retirement savings.
Ideally, retirement planning should begin at least a decade before retirement. But if you haven't started yet, start where you are.
Think holistically about:
📌Retirement income planning: How will you turn your savings into sustainable income? When should you begin CPP and OAS? How will pensions, investments and other income sources work together
📌Healthcare and long-term care: What type of care would you prefer, who would support you, and how would you pay for it?
📌Important documents: Are your will, powers of attorney, beneficiaries and financial information organized and current?
📌Your people and your purpose: Don't just plan how you'll spend your money. Plan how you'll spend your time and with whom.
Retirement can be the beginning of an entirely new chapter. Plan for the income you'll need, the care you may need, and most importantly, the life you want to live.
Your retirement plan starts with a conversation. Let's Connect | Book a Meeting
6 𝐓𝐚𝐱 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐂𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧𝐬 𝐖𝐨𝐫𝐭𝐡 𝐇𝐚𝐯𝐢𝐧𝐠 𝐁𝐞𝐟𝐨𝐫𝐞 𝐘𝐞𝐚𝐫-𝐄𝐧𝐝
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐲𝐨𝐮𝐫 𝐢𝐧𝐜𝐨𝐦𝐞 𝐚𝐧𝐝 𝐭𝐚𝐱 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲: Has your income changed?
Review your tax strategy now to avoid surprises at tax time and identify planning opportunities.
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐧𝐨𝐧-𝐫𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬: Consider realizing capital losses, where appropriate, to offset capital gains and improve after-tax returns.
🧭𝐌𝐚𝐱𝐢𝐦𝐢𝐳𝐞 𝐫𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐬: Review your RRSP, TFSA and FHSA contribution room to ensure you're making the most of available tax advantages.
🧭𝐏𝐥𝐚𝐧 𝐲𝐨𝐮𝐫 𝐜𝐡𝐚𝐫𝐢𝐭𝐚𝐛𝐥𝐞 𝐠𝐢𝐯𝐢𝐧𝐠: If philanthropy is important to you, consider donating appreciated securities or using a 𝐃𝐨𝐧𝐨𝐫 𝐀𝐝𝐯𝐢𝐬𝐞𝐝 𝐅𝐮𝐧𝐝 (𝐃𝐀𝐅) It can provide an immediate tax receipt while allowing you to support your favourite charities over time.
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐢𝐧𝐜𝐨𝐦𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠: Review RRIF withdrawals, pension income, and other income sources to help manage taxes and preserve government benefits where appropriate.
🧭𝐓𝐡𝐢𝐧𝐤 𝐁𝐞𝐲𝐨𝐧𝐝 𝐓𝐚𝐱𝐞𝐬 - 𝐏𝐥𝐚𝐧 𝐀𝐡𝐞𝐚𝐝: Many tax planning opportunities including income splitting, corporate planning, capital gains planning and estate planning are more effective when started before December.
The best tax planning happens before year-end not during tax season. A mid-year review gives you time to make informed decisions and potentially reduce your tax bill while staying aligned with your long-term financial goals🧭
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐲𝐨𝐮𝐫 𝐢𝐧𝐜𝐨𝐦𝐞 𝐚𝐧𝐝 𝐭𝐚𝐱 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲: Has your income changed?
Review your tax strategy now to avoid surprises at tax time and identify planning opportunities.
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐧𝐨𝐧-𝐫𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬: Consider realizing capital losses, where appropriate, to offset capital gains and improve after-tax returns.
🧭𝐌𝐚𝐱𝐢𝐦𝐢𝐳𝐞 𝐫𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐬: Review your RRSP, TFSA and FHSA contribution room to ensure you're making the most of available tax advantages.
🧭𝐏𝐥𝐚𝐧 𝐲𝐨𝐮𝐫 𝐜𝐡𝐚𝐫𝐢𝐭𝐚𝐛𝐥𝐞 𝐠𝐢𝐯𝐢𝐧𝐠: If philanthropy is important to you, consider donating appreciated securities or using a 𝐃𝐨𝐧𝐨𝐫 𝐀𝐝𝐯𝐢𝐬𝐞𝐝 𝐅𝐮𝐧𝐝 (𝐃𝐀𝐅) It can provide an immediate tax receipt while allowing you to support your favourite charities over time.
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐢𝐧𝐜𝐨𝐦𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠: Review RRIF withdrawals, pension income, and other income sources to help manage taxes and preserve government benefits where appropriate.
🧭𝐓𝐡𝐢𝐧𝐤 𝐁𝐞𝐲𝐨𝐧𝐝 𝐓𝐚𝐱𝐞𝐬 - 𝐏𝐥𝐚𝐧 𝐀𝐡𝐞𝐚𝐝: Many tax planning opportunities including income splitting, corporate planning, capital gains planning and estate planning are more effective when started before December.
The best tax planning happens before year-end not during tax season. A mid-year review gives you time to make informed decisions and potentially reduce your tax bill while staying aligned with your long-term financial goals🧭
6 𝐓𝐚𝐱 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐂𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧𝐬 𝐖𝐨𝐫𝐭𝐡 𝐇𝐚𝐯𝐢𝐧𝐠 𝐁𝐞𝐟𝐨𝐫𝐞 𝐘𝐞𝐚𝐫-𝐄𝐧𝐝
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐲𝐨𝐮𝐫 𝐢𝐧𝐜𝐨𝐦𝐞 𝐚𝐧𝐝 𝐭𝐚𝐱 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲: Has your income changed?
Review your tax strategy now to avoid surprises at tax time and identify planning opportunities.
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐧𝐨𝐧-𝐫𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬: Consider realizing capital losses, where appropriate, to offset capital gains and improve after-tax returns.
🧭𝐌𝐚𝐱𝐢𝐦𝐢𝐳𝐞 𝐫𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐬: Review your RRSP, TFSA and FHSA contribution room to ensure you're making the most of available tax advantages.
🧭𝐏𝐥𝐚𝐧 𝐲𝐨𝐮𝐫 𝐜𝐡𝐚𝐫𝐢𝐭𝐚𝐛𝐥𝐞 𝐠𝐢𝐯𝐢𝐧𝐠: If philanthropy is important to you, consider donating appreciated securities or using a 𝐃𝐨𝐧𝐨𝐫 𝐀𝐝𝐯𝐢𝐬𝐞𝐝 𝐅𝐮𝐧𝐝 (𝐃𝐀𝐅) It can provide an immediate tax receipt while allowing you to support your favourite charities over time.
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐢𝐧𝐜𝐨𝐦𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠: Review RRIF withdrawals, pension income, and other income sources to help manage taxes and preserve government benefits where appropriate.
🧭𝐓𝐡𝐢𝐧𝐤 𝐁𝐞𝐲𝐨𝐧𝐝 𝐓𝐚𝐱𝐞𝐬 - 𝐏𝐥𝐚𝐧 𝐀𝐡𝐞𝐚𝐝: Many tax planning opportunities including income splitting, corporate planning, capital gains planning and estate planning are more effective when started before December.
The best tax planning happens before year-end not during tax season. A mid-year review gives you time to make informed decisions and potentially reduce your tax bill while staying aligned with your long-term financial goals🧭
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐲𝐨𝐮𝐫 𝐢𝐧𝐜𝐨𝐦𝐞 𝐚𝐧𝐝 𝐭𝐚𝐱 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲: Has your income changed?
Review your tax strategy now to avoid surprises at tax time and identify planning opportunities.
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐧𝐨𝐧-𝐫𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬: Consider realizing capital losses, where appropriate, to offset capital gains and improve after-tax returns.
🧭𝐌𝐚𝐱𝐢𝐦𝐢𝐳𝐞 𝐫𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐬: Review your RRSP, TFSA and FHSA contribution room to ensure you're making the most of available tax advantages.
🧭𝐏𝐥𝐚𝐧 𝐲𝐨𝐮𝐫 𝐜𝐡𝐚𝐫𝐢𝐭𝐚𝐛𝐥𝐞 𝐠𝐢𝐯𝐢𝐧𝐠: If philanthropy is important to you, consider donating appreciated securities or using a 𝐃𝐨𝐧𝐨𝐫 𝐀𝐝𝐯𝐢𝐬𝐞𝐝 𝐅𝐮𝐧𝐝 (𝐃𝐀𝐅) It can provide an immediate tax receipt while allowing you to support your favourite charities over time.
🧭𝐑𝐞𝐯𝐢𝐞𝐰 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐢𝐧𝐜𝐨𝐦𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠: Review RRIF withdrawals, pension income, and other income sources to help manage taxes and preserve government benefits where appropriate.
🧭𝐓𝐡𝐢𝐧𝐤 𝐁𝐞𝐲𝐨𝐧𝐝 𝐓𝐚𝐱𝐞𝐬 - 𝐏𝐥𝐚𝐧 𝐀𝐡𝐞𝐚𝐝: Many tax planning opportunities including income splitting, corporate planning, capital gains planning and estate planning are more effective when started before December.
The best tax planning happens before year-end not during tax season. A mid-year review gives you time to make informed decisions and potentially reduce your tax bill while staying aligned with your long-term financial goals🧭
Enjoy Canada Day🇨🇦
Enjoy Canada Day🇨🇦
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We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of the Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.