Managing Your Finances

Managing your finances is an important component to any financial plan. Saving money is the foundation upon which your financial future is built, so don’t put it off. This should be paired with efficient tax planning and ensuring your loved ones will be secure after your death. From mortgage payments to tax savings, we can help you manage your money as effectively as possible, given your personal situation.

Saving at Any Life Stage

Depending on your stage of life, chances are you will have a distinct approach to saving. New graduates or young couples have different needs than retirees or mid-career families. No matter your personal situation, we can help you develop financial habits that will lay a strong foundation for your savings.

Starting Out:

Younger individuals and couples have several benefits in terms of financial management. Low insurance costs and a long investment horizon, combined with few responsibilities, can make for an excellent financial base. We can help you build on these advantages, while at the same time considering a debt load that might include student loans, car payments or perhaps a mortgage.
Couples planning for a first child enter a new level of commitment—both personally and financially.


Mid-career professionals typically have higher incomes than younger investors—but they also carry more responsibilities. From mortgage payments to a child’s education, consider a financial plan that balances your needs and obligations.

Near or in Retirement:

Retirees have worked hard at their careers, and there should be time for relaxation and celebration. Hopefully by now, your children are now independent, the mortgage is mostly paid off and a few investments are coming to fruition. However, income levels may drop after retirement. Find out how to manage your finances in a way that allows you to fully enjoy the fruits of your hard work without outliving your savings.

In short, no matter your life stage, we can help you learn how to balance savings and investing with your other commitments.

Tax Planning

No one likes taxes. But through the advice of a professional wealth management advisor, you can access concepts and services that help ease the burden. Charitable contributions, life insurance policies and investments can all be useful tools in an effective tax strategy. Working together, we will consider your personal situation and design a tax plan that fits your needs.

Choose from a variety of products and services, such as:

  • Charitable donations, which benefit important not-for-profit work and allows donors to maximize tax credits
  • Life insurance policies that build tax-advantaged capital for retirement
  • Investments which provide for tax benefits

Contact us today to learn more about tax-planning strategies and services that are specifically tailored for your needs.

This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor. 

Preparing for the Inevitable

Preparing for how things will continue after your death is a difficult issue to discuss, but it is also an important part of any comprehensive financial plan.

We can help you and your loved ones approach this uncomfortable topic in a constructive manner to help avoid problems and ensure that the surviving family members are well cared for in the event of your death. The process involves two main considerations: life insurance and preparing a will.

Life insurance can ease the financial burden and provide security for your loved ones in the event of your death. A lump-sum payment can be used for mortgage costs or to supplement lost income, helping your successors during a difficult period. Financial security and stability can make it easier to cope with the loss of a loved one.

A written will provides a means to guide your loved ones through the succession process. By naming an executor(s) and providing instructions on the distribution of your estate, your surviving loved ones avoid having to guess about your wishes. A clear, carefully considered, written will provides clear instructions rather than provincial law determining how your assets are to be divided—a situation that can result in lengthy court proceedings.

Let us help you reduce the stress of managing your finances by getting you on the right track today.