As you transition from career to retirement, you no longer become your most important asset. Capital preservation becomes your paramount objective. Investment tastes have changed as the Baby Boomers begin to transition through this phase. This movement has created investment opportunities that move away from public market volatility and layered fees that can negatively affect your return.
Our team of CFA's vet through many different investments in the Exempt Market to ensure their viability. Every investment first must provide adequate security. Once we have ensured that bank-style security is in place, we look at return. Using this process we have discovered some firms that can provide solid security with a healthy return and many that provide a fixed rate of return, leaving your initial principal untouched.
Throughout the process we stimulate different tax efficiencies. From charitable giving to investments that generate government issued tax deductions and credits, we assist you in exploring your options and helping you to decide which suit you best.
Canadians leave a legacy for many reasons. For some it is a way to ensure their memory lives on, for many it’s a way to enable their favourite charity to continue its important work, while for others it represents a way to reduce the tax implications from the transfer of one’s estate to their children.
Planned gifts to a charitable organization is a practical addition to a financial or estate plan. They are often a very responsible solution to tax issues – even for those who think they may not have any. In most cases, the tax burden left to relatives is lifted significantly, benefiting your family after you’re gone.