ON: (647) 370-2444 | NS: (902) 700-6444 info@wealthgro.ca

Financial Planning

Save Money, Save Tax & Live Well

Are you on track for Your Retirement?

Find out now by using this simple and free Retirement Calculator . Click on the Retirement calculator below to start.

Show me if I am on track for my RETIREMENT

Understanding your financial situation can be difficult. With just a few questions you can calculate your current financial position and identify your top priorities. You can also share your results with us if you wish (optional) and we can help you with a more comprehensive plan and help you achieve your goals faster.

We have been helping our clients for over 20 Years to optimize their investments, minimize their taxes, pay down the mortgages faster and protect their families and wealth.

We helped hundreds of our clients to achieve their retirement goals faster and answered questions like:

    • Should I invest in my RRSP (Registered Retirement Savings Plan) or in my TFSA (Tax Free Saving Account) ?
    • Should I pay down my mortgage or Invest in RRSP or TFSA ?
    • How can I pay off my mortgage faster?
    • Is there a way to make my mortgage tax deductible?
    • When should I take my CPP benefits (Canada Pension Plan) at 65 ? or sooner ? or should I delay until age 70 ?
    • Is there a way to get money out of my corporation more tax efficiently than salary or dividends ?
    • Should I take my pension or take the commuted value (taking the funds out of your pension plan)?
    • How much can I afford to spend in Retirement ?
    • Am I on track for Retirement ?

These are only some of the questions we were able to help with. We would love to hear your questions.

Book a meeting / virtual call today if you would like to find out the answers to your questions and let’s start planning

 

Financial Planning doesn’t have to be complicated

From getting your documents organized to help you prepare a budget – we will simplify your finances and provide clarity for your financial future.

Free Retirement Calculator

Cash Flow Planning & Budgeting

Cash flow planning is not just budgeting. We will help you find the money by reviewing your finances and exploring opportunities to save you money, minimize your taxes and optimize your finances.

Once we have a solid understanding of your finances, we create a plan that will help you make better financial decisions paying down your debt, investing, or saving for the family trip, cottage purchase or anything else you may plan for and we will put you on a clear path to achieve your goals.

Tax Planning

As Certified Financial Planners (CFP®) we will create a customized financial plan for your to have a complete picture of your financial affairs.

We work closely with your Accountant and Estate Lawyer to review proposed strategies (through RRSPs, TFSAs, corporate savings, Individual or Personal Pension Plans, converting your debt to tax deductible debt – when applicable) , to maximize tax efficiency and to ensure your team of professionals is in agreement with the strategies put forward. If you do not currently work with an Accountant or a Lawyer and you would like to, we can refer you to one of our trusted partners (in Ontario and Nova Scotia).

Insurance & Risk Management

Protecting what is important to you (your family, health,  business, retirement) may be hard if you can’t see what could derail your plan.

That is where we come in by helping you identify your potential “blind spots” and advise your on the best strategies to protect against these risk.

We can provide you wiht flexible coverage and insurance solutions that cover your needs and match your budget. From inexpensive Term Insurance to cover your immediate needs , extended health care , dental care , vision care to best doctors coverage and cash back benefit – we’ve got you covered !

Investment Planning

Our financial plan will provide you with a personalized and structured investment plan and reflect your unique objectives and risk tolerance. We will help you get the most out of your money without taking any unnecessary risk

Fully digital account opening and service.No minimum investment for our Professionally managed portfolios with alternative asset class diversification

Guaranteed and Lifetime income Investment options. Access to Private Wealth firms and discretionary money management with your own Portfolio Manager, exceptional diversification, lower volatility, and advanced tax planning support starting as low as at $100,000 with assets under management.

Retirement Planning

Do you know how much you need to save for your retirement ? If you should start your CPP (Canada Pension Plan) at age 65 , earlier, or maybe delay until 70? What about your OAS (Old Age Security) ? When should you start taking funds from your RRSP (Registered Retirement Saving Plan)  or convert to RRIF (Registered Retirement Income Fund)?

We help you plan so you can retire on your terms and have a peace of mind. Tax efficient decumulation strategies for your worry-free retirement completing withdrawals in the most tax-efficient way.

We will walk you through comparisons of competing withdrawal plans including withdrawals from your Non-Registered assets, Registered (RRSP, RRIF, LIRA, LIF), TFSA, corporate dividends, and recommend the most tax-efficient strategy.

Education Planning

Education is the best thing you can give your child (right beside love). Unfortunately – it can be quite expensive without proper planning.

We can help you create an education plan for your budget and put that plan into action.

Registered Education Savings Plan (RESP) is a tax-advantaged savings account for your child’s future post-secondary education. The federal government may also contribute to the RESP through the Canada Education Savings Grants (CESG). Children from low-income families may also qualify for the Canada Learning Bond (CLB) from the Government.

When you’re ready to talk about how to make that happen, we’re here to help.

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