What We Do

Traditionally people believe that they need one financial plan. My philosophy is that any plan is obsolete immediately after being implemented. So, a strategy that works for clients is dividing their financial living plan into manageable goals and systematically tackling them in stages while constantly adjusting/changing with the flow of their living plan and life.

Our team will provide value in the following ways:

  • Corporate/tax planning
  • Disability planning (funding for your disability or your loved one’s disability, RDSP, ODSP, disability tax credit, write-offs, Henson trust, etc.)
  • Estate planning
  • Investment planning
  • Pre-retirement/Retiree planning (income splitting, reducing OAS clawback, efficiency of drawing down on assets, capital gain, interest, dividend)
  • Education planning
  • Pension discussion (defined benefit versus defined contribution, commuted value versus guaranteed lifetime income planning)
  • Charitable giving (setting up trust, etc.)
  • Protecting the insurable and uninsurable

A holistic view of your wealth and your life

Our financial planning approach incorporates integrated tax and risk management strategies across six key dimensions of your financial life.
 

 

Optimizing your retirement

We’ll help manage the risks of retirement, aiming to preserve the capital you’ve built and to create a tax-efficient income stream to support your needs and goals.

Planning for major expenditures

We ensure you have the right plan in place to make your goals a reality – whether this includes education planning, investment or retirement property purchases, or other significant capital requirements.

Managing cash flow efficiently

We examine and continuously evaluate your cash and credit needs, with the goal to deliver the flexibility you require to meet your goals. From detailed cash flow analysis to tax-efficient income planning, we develop strategies tailored to you.

Preparing for the unexpected

We can’t always anticipate the challenges that we may be faced with, but we can plan for them.  We’ll help you develop comprehensive risk management strategies to provide for those you care about.

Maximizing your business success

From optimizing corporate investments to business succession planning, we implement strategies that synchronize and enhance your personal and business needs.

Sharing your wealth

Establishing how to share your wealth will allow your legacy to live on for the people and causes you care about, including philanthropy, charitable giving, and intergenerational wealth and estate planning.

 

Experience our next generation IG Living Plan

Are you prepared for all the ‘what if’s’ in your financial life?  Find out with our next-generation IG Living Plan. 

With this interactive new digital experience, we can help you test different scenarios and show the impact of your decisions before you make them.

 

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A process designed around you

There’s no such thing as a one-size-fits-all approach to financial planning, so we begin by understanding what really matters to you.

We’ll clarify your goals and concerns, evaluate your current financial situation, and synchronize six major areas of your financial well-being to create your IG Living PlanTM.

As your life moves through different phases, our ongoing process will proactively monitor and respond to you – reflecting our comprehensive, yet flexible team-based approach to financial planning that can deliver a deeper emphasis on any aspect of your living plan.

Step 1

Discover and clarify your values, dreams, goals and concerns to help us tailor our relationship with you and prioritize your financial needs.

Step 2

Analyze and explore options of concepts and scenarios to apply to your personal situation that minimize taxes, mitigate risk and protect your wealth.

Step 3

Develop and present a holistic financial plan--your IG Living Plan--that also integrates your customized investment program.

Step 4

Finalize and implement the custom strategies in your IG Living Plan that synchronizes all dimensions of your financial well-being.

Step 5

Proactively service and respond as your life, family circumstances and markets change--we will identify and present all relevant scenarios before adjusting any element of your IG Living Plan.

Is your financial well-being on track?

Try our IG Living Plan Snapshot to find out. This straightforward online tool will help you assess if you’re on track to meet your goals, based on key dimensions of your financial well-being. From optimizing your retirement to preparing for the unexpected, answer a series of questions to provide an overall result out of 100. This tool also provides personalized recommendations to help create a comprehensive financial plan tailored to you and your family’s needs.

Get your snapshot