Total Wealth Solutions
A Partnership Focused On You
We believe that professional advice, on-going education, and wealth planning are key to success. Our total wealth solutions approach looks at your entire life and all its moving pieces. Supported by our team of specialists, we partner with you, engage in a deep discovery process, and develop a personalized plan for the long term.
Financial Planning
Financial planning is the foundation upon which your overall wealth strategy is built. A well-crafted financial plan helps bring clarity and confidence for all future decisions.
- Establish what wealth means to you
- Determine your goals and objectives
- Create a customized plan
- Execute action items to make your goals a reality
Investment Management
Our disciplined investment management process considers your goals, time horizon and preferences for risk. Once an appropriate risk profile is established, our team implements a well-diversified portfolio of high-quality securities to match your needs.
- Determine investment objectives and risk tolerance
- Construct an appropriate asset allocation in accordance with your financial plan
- Identify securities or sectors that clients would prefer to avoid or prioritize
- Perform ongoing scrutiny of investments and diligently rebalance to manage risk
Insurance
Insurance solutions are critical to help guard against financial losses due to unexpected events. Providing for and safeguarding those you love from potential risks and uncertainties means building financial protection for them.
- Financially protect your family or business
- Accumulate and transfer wealth using tax-exempt life insurance
- Fund and facilitate a business transfer or continuity cost-effectively
- Guarantee income for life
Tax Planning
Tax planning is an integral component of any holistic wealth plan. Our team of financial planners and tax consultants work with our clients and their CPAs to help identify tax risks while also endeavouring to minimize the total tax paid over a client’s lifetime.
- Minimize tax liability and preserve wealth
- Estimate tax exposure now and in the future
- Consider and plan for various scenarios including intergenerational planning
- Adapt and revise the plan to the ever-changing tax landscape
Estate & Trust Services
Estate and trust services help facilitate your wealth transfer wishes now and in the future. Whether acting as an executor, trustee or power of attorney, Solus Trust an affiliate of Raymond James Ltd. provides expertise to create lasting and meaningful legacies.
- Maintain family harmony
- Ensure diligent care of beneficiaries
- Preserve wealth and avoid financial vulnerability
- Facilitate legacies for generations to come
Cross-Border Solutions
Cross-border solutions are designed to help you navigate the complexities of financial landscapes between Canada and the US. These strategies are designed to optimize your wealth, minimize tax liabilities, safeguard your assets and ensure seamless financial transitions.
- Tailor your wealth plan to account for cross-border assets or income
- Work with one advisor managing assets in both Canada and the US
- Ensure ongoing tax compliance with Canadian and US tax authorities
- Enable permanent or temporary moves across the border
Charitable Giving
Charitable giving is a positive, life-affirming endeavour. It allows you to give with intention today and leave your mark for the future as you build a lasting legacy.
- Create your family foundation
- Build a charitable legacy
- Maximize impact on your favourite charities
- Initiate a strategic approach to giving