As a discretionary Portfolio Manager, I also provide financial planning, estate planning and insurance solutions, as well as strategic options for families and businesses. The hallmarks of my work are thoughtful planning, patience, and responsible stewardship, and my partnerships with clients are built on a foundation of trust, honesty and integrity.
My clients enjoy all of the services offered by banks — as well as a range of alternative investments that banks don’t offer — without the associated pressure of being directed by a financial institution. This freedom allows me to pursue what’s best for the client, while always respecting the highest safeguards in the field. My affiliation with Richardson Wealth empowers me to advise my clients objectively without bias towards any particular product or platform and to access the widest range of investment options as well as Richardson’s eminent tax and estate planning team.
Over the years, I’ve advised families, trusts, foundations, operating and holding companies, and business owners. I’ve built many multigenerational relationships, cultivating productive partnerships with legacy clients who value my approach based on years of trusted service. Because to me, every client is a name and a face — not just an account number.
I can assist with family financial planning, income and asset protection, retirement planning, philanthropy, estate planning, business succession planning, and investing
Retirement planning:
I utilize comprehensive investment and retirement software to determine if clients are on track to achieve their retirement and investment goals.
Estate planning:
Minimizing taxes, preservation of capital, reducing probate fees, and gifting are all strategies I apply to efficient estate planning.
Insurance:
Our experts can assist with life and disability insurance planning, along with other applications for insurance, such as wealth accumulation with tax-free compounding outside an RRSP, insured annuities to generate income and preserve capital, and more.
Education programs:
Registered Education Savings Plans (RESPs) offer a dedicated savings approach with tax-deferral and the Canada Education Savings Grant.
Business succession planning:
I can assist clients in planning and financing a successful transition for both family-run and public businesses. My comprehensive process helps business owners to prepare for the eventual transition out of business management and transfer business ownership upon retirement.
Individual Pension Plans (IPPs) and Personal Pension Plans (PPPs):
A great tool for business owners, IPPs allow for larger tax deductions and are an excellent way to increase retirement assets and have your company make large tax-deductible contributions. Make a significant tax-deductible contribution at retirement, enjoy safer investment rules and limitations compared to the RRSP, ensure creditor-proofing, plan the succession of your business to family members, and more. Alternatively, small business owners and entrepreneurs may enjoy the flexibility and protection of a PPP, which provides all the advantages of an IPP, but has the ability to revert to RSP rules for any given year(s).
Interested in learning more? Read my biography and contact details here.
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