Specialized Wealth Strategies Development

The building and retention of wealth requires capitalizing on opportunity. Here is a list of just some of the specialized options available to the retail investor.

Back-Tested Portfolio Analyses

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.

Asset Protection and Tax Planning with the use of Trusts

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.

Pension Style Asset Management

By developing economies of scale, we can bring institutional type investing to the retail client.

Private Equity

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.

Real Property Pools

The ability to diversify traditional holdings through the pooling of commercial real estate properties

Promissory Notes & Spousal Loans

Income splitting can be accomplished in many ways. The use of a spousal loan may help a family reduce its household tax bill on portfolio assets.

Corporate Asset Transfers

Through every corporation’s Capital Dividend Account (CDA), options exist to flow money to the shareholder on a tax free basis.

IPP (Individual Pension Plan)

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.

Estate Tax Analysis

Projecting future tax consequences and probate costs with the use of computer software can help pinpoint potential tax pitfalls while creating planning opportunities.

Asset Location

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.

Computer Generated Retirement Income Audits

These calculations establish whether one can reach or sustain his/her lifestyle income requirements while establishing which assets should be depleted first.

Benefit Cost Analysis & Due Diligence Calculations

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.

Personal Charitable Foundations

Above and beyond significant tax incentives creating your own foundation gives you the ability to manage and control the flow of funds to your preferred charity(s).

If you’d like more info on the above options please connect with us here.