Services and Solutions

  • The value we bring to your journey goes beyond financial planning, its about empowering you to achieve your goals with confidence and purpose.
  • We take an integrated approach, tailoring strategies that align with your unique vision, weather it's building wealth, protecting assets, or creating meaningful legacy for your family or your community.
  • Our team collaborates with trusted experts and your advisors to deliver solutions that simplify complex challenges and unlock opportunities.
  • We provide the clarity and guidance you need to navigate every step of your financial journey with a deep commitment to understanding your needs and values.
  • Our mission is to ensure that your wealth reflects your purpose and builds a future that matters for you and the generations to come.

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๐‘๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ ๐ˆ๐ง๐œ๐จ๐ฆ๐ž ๐๐ฅ๐š๐ง๐ง๐ง๐ข๐ 

โœ” For a SUSTAINABLE happy retirement

ย 

๐ˆ๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญ ๐ฆ๐š๐ง๐š๐ ๐ž๐ฆ๐ž๐ง๐ญ

โœ” In depth analysis of your current situation. We'll work to uncover opportunities and challenges to meet your needs and goals to optimize growth and wealth preservation.

ย 

๐“๐š๐ฑ ๐ž๐Ÿ๐Ÿ๐ข๐œ๐ข๐ž๐ง๐œ๐ฒ ๐ฉ๐ฅ๐š๐ง๐ง๐ข๐ง๐ 

โœ”More Wealth Today, Build a Legacy for Tommorow. We uncover opportunities to minimize taxes and help you apply strategies to minimize taxation.

ย 

๐๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐‚๐จ๐ง๐ญ๐ข๐ง๐ฎ๐š๐ญ๐ข๐จ๐ง ๐๐ฅ๐š๐ง๐ง๐ข๐ง๐ 

โœ” Buy-Sell Agreements

โœ” Business Loan Protection

โœ” Executive Benefit Planning

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Workplace Benefits

โœ” Group Benefits

โœ” Health Spending Accounts

โœ” Group Retirement Pensions

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๐๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐’๐ฎ๐œ๐œ๐ž๐ฌ๐ฌ๐ข๐จ๐ง ๐๐ฅ๐š๐ง๐ง๐ข๐ง๐ 

โœ” Ownership Transition

โœ” Retirement Income Planning ๐Ÿ๐จ๐ซ ๐š ๐’๐”๐’๐“๐€๐ˆ๐๐€๐๐‹๐„ ๐ก๐š๐ฉ๐ฉ๐ฒ ๐ซ๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ

โœ” Withdrawal strategies for registered investments taking into consideration tax efficiencies.

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๐„๐ฌ๐ญ๐š๐ญ๐ž ๐š๐ง๐ ๐‹๐ž๐ ๐š๐œ๐ฒ ๐๐ฅ๐š๐ง๐ง๐ข๐ง๐ 

โœ” Strategic multi-generation asset transfer planning and legacy creation.

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Services

Business continuity & succession planning

Letโ€™s create a plan so you donโ€™t have to worry about what will happen to your business and your finances when you are ready to move on.

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Estate & Financial planning services

Lifetime financial security. Letโ€™s create a plan that will help take care of everything when you no longer can.

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Family & legacy planning

Leaving a legacy for your family is something thatโ€™s important to many people. Letโ€™s create a plan that helps you feel confident in the legacy you leave behind.

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Affluent and legacy driven

Itโ€™s time to make a concrete legacy plan so you donโ€™t have to worry about what will happen when youโ€™re gone.

RRSP (Registered retirement savings plan)

A type of savings account specially designed to help Canadians save for their retirement.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
Find out more

TFSA (Tax-free savings account)

A tax-free savings account (TFSA) is a registered investment account thatโ€™s designed to help Canadians save money.

Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
Find out more

RESPs (Registered education savings plan)โ€ 

A tax-deferred account to help you save for a childโ€™s or grandchildโ€™s post-secondary education. Anyone can open a RESP and contribute money at any time, up to a lifetime total of $50,000 per child. Contributions arenโ€™t tax deductible, but any investment income earned within the plan will be taxed only when itโ€™s withdrawn.
Find out more

GICs (Guaranteed investment product)**

Designed for people who want to protect their principal and earn a guaranteed rate of return.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans โ€“ as well as retirement income plans.
Find out more

Mutual fundsโ€ 

A mutual fund is a pool of money and investments (e.g. stocks, bonds and other types of investments) that are managed by a professional fund manager.
Find out more

Segregated funds

Segregated fund contracts are a popular investment option, available only from life insurance companies. Similar to mutual funds, segregated funds are large pools of money invested in stocks, bonds or other securities. These contracts have higher fees than mutual funds because they also offer guarantees and some of the additional benefits of a life insurance contract.
Find out more

Annuity products

An annuity protects you from the risk of outliving your money and helps to cover basic expenses in retirement. In exchange for a lump-sum premium, an insurance company โ€“ like Sun Life โ€“ guarantees to pay you an income for life or as long as the annuity contract specifies. Your income will be secure from both market and interest rate risks โ€“ and, if you buy your annuity with non-registered savings, you could also benefit from tax savings.
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Travel insurance

Whether youโ€™re headed outside your home province or to the other side of the world, traveling can be stressful.
Travel insurance can help protect you from the difficulties that come from unexpected medical expenses
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Permanent Life Insurance

A type of life insurance policy that provides you with lifelong coverage to protect your loved ones. This coverage never expires, no matter your age or if your health changes. Permanent life insurance provides a death benefit, which is a tax-free payment your beneficiaries will get after you die.
Find out more

Business owners

Spend more time running your business and less time worrying about your business. A strong strategy can get you there.

Business owner insurance

Whether youโ€™re starting out or looking for ways to grow your business, business owner insurance can help you protect yourself, your partners and employees and your family.
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Business Benefits & Savings

The needs of small businesses are as unique as the people running them. Thatโ€™s why weโ€™ve created a variety of affordable, customizable benefits and savings plans with the features that matter most to businesses.
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RRSPs for Business Owners

Your business may produce surplus above what is needed for your business or personal lifestyle. You can either retain in the corporation or remove and invest personally. Maximizing your RRSPs makes sense for most business owners given a sufficient time horizon.
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TFSAs for Business Owners

Your corporation may produce surplus above what is needed for your business or personal lifestyle. If you want to save the surplus for future use TFSAโ€™s may be a good solution, depending on your time horizon and current and future tax brackets.
Find out more

Looking at retirement

Everyoneโ€™s dream retirement will look a little different. Thatโ€™s why itโ€™s important to make a custom retirement plan.

RRSP (Registered retirement savings plan)

A type of savings account specially designed to help Canadians save for their retirement.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
Find out more

TFSA (Tax-free savings account)

A tax-free savings account (TFSA) is a registered investment account thatโ€™s designed to help Canadians save money.

Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
Find out more

RRIF (Registered retirement income fund)

An investment account that pays you income during retirement. You can transfer tax-sheltered funds from registered Canadian accounts such as RRSPs, registered pension plans and other RRIFs into a RRIF.
Find out more

GICs (Guaranteed investment product)**

Designed for people who want to protect their principal and earn a guaranteed rate of return.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans โ€“ as well as retirement income plans.
Find out more

LIF (Life income fund)

A registered account designed to pay you income from your locked-in pension assets. These assets canโ€™t be taken out all at once, since a LIF is meant to provide retirement income throughout your life.
Find out more

Mutual fundsโ€ 

A mutual fund is a pool of money and investments (e.g. stocks, bonds and other types of investments) that are managed by a professional fund manager.
Find out more

Segregated funds

Segregated fund contracts are a popular investment option, available only from life insurance companies. Similar to mutual funds, segregated funds are large pools of money invested in stocks, bonds or other securities. These contracts have higher fees than mutual funds because they also offer guarantees and some of the additional benefits of a life insurance contract.
Find out more

Annuity products

An annuity protects you from the risk of outliving your money and helps to cover basic expenses in retirement. In exchange for a lump-sum premium, an insurance company โ€“ like Sun Life โ€“ guarantees to pay you an income for life or as long as the annuity contract specifies. Your income will be secure from both market and interest rate risks โ€“ and, if you buy your annuity with non-registered savings, you could also benefit from tax savings.
Find out more

Personal and family health insurance

A policy or contract that gives you, the insured person, financial coverage to help pay for health-care needs. Depending on your policy, the insurance company pays for your covered health-care expenses. You pay the insurance company a monthly premium or fee.
Find out more

LIRA (Locked-in retirement account)

A registered account designed to hold and invest pension assets that you and your former employers contributed to. Investments within the LIRA grow tax-deferred โ€“ this means you wonโ€™t have to pay taxes on investment growth until you withdraw funds.
Find out more

Long term care insurance

Long term care insurance from Sun Life provides an income-style benefit if you become unable to care for yourself due to aging, a serious accident, severe illness or deteriorated mental abilities.
Find out more

Permanent Life Insurance

A type of life insurance policy that provides you with lifelong coverage to protect your loved ones. This coverage never expires, no matter your age or if your health changes. Permanent life insurance provides a death benefit, which is a tax-free payment your beneficiaries will get after you die.
Find out more

โ€ Mutual funds distributed through Sun Life Financial Investment Services (Canada) Inc.

**Sun Life Financial Trust Inc. is the issuer of Sun GIC Max and Guaranteed Investment Certificates. Sun Life Financial Trust Inc. is a member of Canada Deposit Insurance Corporation (CDIC). An Insurance GIC is an accumulation annuity issued by Sun Life Assurance Company of Canada.

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Sunlife
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.