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We are a Canadian Financial services organization specializing in advanced tax sheltering, wealth accumulation planning, business succession, and retirement planning. Although our approaches work for all Canadians, they are most effective for those in high tax brackets and for business owners.
We have also been very successful in reducing costs of employee programs and providing more tax effective compensation.
Life Annuity -- This option is suited to individuals who want a predefined guaranteed income and do not want to manage their investments. If provide guaranteed income for the life of the annuitant and the life of the annuitant's spouse under a joint life annuity. On the death of the last annuitant, the estate value is equal to the value of the remaining guaranteed payments. >>>>> Find out more
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A Chartered Financial Consultant (CH.F.C.) is a financial planner with advanced knowledge in wealth accumulation and retirement planning. |
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A Chartered Life Underwriter (CLU) is a financial planner with advanced knowledge in life and health insurance and employee benefits. |
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A Certified Financial Planner (CFP) identifies individuals who are dedicated to a high level of professionalism in providing financial planning advice. CFP's have agreed to adhere to high standards of competence and ethical practice as set out by the Financial Planners standards council of Canada (FPSC). For more about the CFP designation click here |
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CALU membership includes many of Canada's foremost practitioners in such fields as Estate Planning, Retirement Planning, Executive Compensation, Corporate-Owned Life Insurance, Charitable Giving and Employee Benefits. Members of CALU provide experienced and dynamic leadership for the wide range of activities designed to enhance the professional competence of advanced life underwriters. Membership in CALU is restricted to individuals who meet the professional standards set for admission. CALU members provide personal financial, business succession, estate planning and employee benefits services to their clients, many of whom are the owners of family businesses, large and small. |
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STEP is the principal professional body for trust and estate practitioners. As such, STEP is a unique international intellectual resource which ensures its members prosper by maintaining the highest professional values. STEP provides information exchange, educational and discount services to its members. STEP's WorldWide office represents members interests at the international level and assists its branch network in making national and regional representations. STEP was founded with the aim of bringing together all the practitioners in the field and cutting across old established professional boundaries. |
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The respected Registered Health Underwriter® (RHU®) designation is the premier credential in the health insurance market. Advisors with this designation have advanced knowledge of disability insurance, long-term care insurance and managed care. |
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Through a wide range of products and services, the life and health insurance industry helps Canadians to protect themselves and their families against the financial risks of premature death, illness and retirement. These products include individual and group life insurance, individual and group annuities (including RRSPs, RRIFs and pensions) and supplementary health insurance. |