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Our approach has always been to serve our clients in a way that's holistic, integrated and aligned with their values.
We do this through unbiased, independent counsel that focuses on capital preservation as well as growth, income planning and projecting, tax minimization planning, estate preservation, and trust management, all with a focus on risk management and wealth advancement.
Through every corporation’s potential Capital Dividend Account (CDA), options exist to flow money to the shareholder on a tax-free basis.
The ability to diversify traditional holdings through the pooling of commercial real estate properties.
Not to be confused with asset allocation, asset location involves the location of various asset classes amongst different types of accounts, entities or individuals in an effort to reduce current and future taxes.
Many forms of trusts exist with various benefits to accomplish certain goals. These entities can provide avenues for tax minimization, income splitting with individuals or a trust itself, and asset protection for current and future beneficiaries.
The science of portfolio construction involves quantifying risk and balancing against the potential for return using computer software. This ensures a reduction in volatility while capturing market upside.
When contemplating various tax and investment options, few calculate the potential future outcome. Through in-depth benefit-cost analyses, one can create a priority schedule prior to the implementation of various options.
These calculations establish whether one can reach or sustain his/her lifestyle income requirements while establishing which assets should be depleted first.
Projecting future tax consequences and probate costs with the use of computer software can help pinpoint potential tax pitfalls while creating planning opportunities.
Income splitting opportunities continue to diminish. The use of a spousal loan may help a family reduce its household tax bill on portfolio assets.
This plan allows for increased tax savings beyond those of RRSPs. In addition, past service contributions may also exist for the potential of increased pre-tax investing.
By developing economies of scale, we can bring institutional-type investing to the retail client.
Traditionally this type of investing has only been accessible by endowment funds, pensions and institutional investors. Accessing these types of investments at the retail level creates an additional element of asset class diversification.
Dave has been my advisor and friend for over 8 years and is what I would call a "straight-shooter" - honest, hardworking and reliable. He is very knowledgeable in the securities industry and provides excellent information on the global markets."
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