As independent financial consultants we are committed to establishing a significant relationship with our clientele and provide superior personal services to help them prepare for retirement and achieve financial independence such as:

· Review of Investments · Retirement Planning · Financial Planning · Tax Planning · Protection Planning · Estate Planning

REVIEW OF INVESTMENTS
You may have been investing for some time know and are wondering if its time to change your strategy. Circumstances may have occurred to increase your aggressiveness or become more conservative with your investments. We are more than glad to help you if you are looking for some advice with any of your investments.

RETIREMENT PLANNING There are two parts to Retirement planning - Your vision for the future and How you intend to get there. Retirement income sources can come from Government Pension Plans, Employer Based Retirement Plans, and Personal Savings. Included within personal savings are Registered Savings Plan and Non-Registered Investments.

FINANCIAL PLANNING
This is much more than just Retirement Planning it is an organized way to develop financial strategies that will help you achieve your short and long term goals. Everyone is different therefore your financial plan will be different from everyone else's. Even if your income and family size and specs are the same as someone else's, your dreams won't be. This is like planning a trip. Where would you like to go? How would you get there? Where would you stay? And would your plans change in 5 / 10 years. This is different for each individual.

TAX PLANNING The objective of personal tax planning is to minimize or defer income taxes payable. While tax planning is a legitimate activity accepted by the government, some procedures may be categorized as tax avoidance or the advantageous use of the rules in a way that they were not intended. As a result, specific anti-avoidance rules have always been incorporated in tax legislation. Tax planning should be an ongoing process of review and revision as changes occur in personal circumstances, legislation or interpretation.

PROTECTION PLANNING
Protection Planning deals with security products that being Critical Illness Insurance, Disability Insurance, and Life Insurance. Insurance is something that people do not give much thought to. However, security and peace of mind are key aspects to enjoying a happy and fulfilling life. Therefore insurance is the very thing needed throughout our lives. We work hard for our families and try our best to provide for them the best that we can. There are so many things to think about. Insurance takes care of all of these worries by providing the most basic form of protection. This protection is for the future. It is a safeguard, which prepares against accidents or illness.

ESTATE PLANNING When you die, who will take care of your children? What will happen to your home? How much of your estate will your heirs get? How much will go to Revenue Canada? Who would be making decisions regarding your affairs if you are unable to? Answering all these questions before you die is the purpose of estate planning. No matter what your age, if you have dependents, or have accumulated any assets, you should start putting some estate planning strategies to work. By planning your estate today, you'll have as much say as possible on what happens to your family and your financial assets when you die.

We Advice that within Estate Planning you must include two very important documents, which are as follows:

POWER OF ATTORNEY
A power of attorney authorizes someone to make decisions regarding your affairs if you are unable to because of physical or mental problems, except change your will. If you don't' have a power attorney the government, through the public trustee, could take over your bank account, investment portfolio, and other assets without consulting your family. The government's job is to protect your interests, even though its decisions may not be what you want.

WILL
A will is a statement of what you want done with your property when you die. It is also the document that designates someone to raise your children if you and your spouse die together. If you have dependent children, it could be the most important document you'll ever sign. You should have it drawn up properly by a lawyer. If you die without a will the provincial government will step in and appoint someone to distribute your assets. Also the courts will decide who raises your children.