Investments

The importance of a financial plan. Working with us to create your financial plan helps you identify your long and short term life goals.Talk to us to see how we can help you.

Working with us to create your financial plan helps you identify your long and short term life goals. When you have a plan, it’s easier to make decisions that align with your goals. We outline 8 key areas of financial planning:

  • Income: learn to manage your income effectively through planning
  • Cash Flow: monitoring your cash flow, will help you keep more of your cash
  • Understanding: understanding provides you an effective way to make financial decisions that align with your goals
  • Family Security: having proper coverage will provide peace of mind for your family
  • Investment: proper planning guides you in choosing the investments that fit your goals
  • Assets: learn the true value of your assets. (Assets – Liabilities)
  • Savings: life happens, it’s important to have access to an emergency fund
  • Review: reviewing on a regular basis is important to make sure your plan continues to meet your goal
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If you’re in a situation where you could be losing some of your OAS benefit, you may want to consider the following strategies to help minimize your loss. Talk to us to see how we can help you.

If you’re in a situation where you could be losing some of your OAS benefit, you may want to consider the following strategies to help minimize your loss. In our most recent blog post, we outline 8 strategies on how to minimize OAS Clawback. Please always consult us prior to implementing any of these strategies to ensure this makes sense in your situation.

  • Before age 65, use some of your RRSPs
  • Income Splitting
  • Defer Old Age Security
  • Tax Efficient Non Registered Investments
  • Tax Free Savings Account
  • Dividend Income
  • Leveraged Investing
  • Capital Gains Dispositions after age 65
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