Financial Planning

Thorough Financial Planning: the Pinnacle of Wealth Management

Personal financial planning is a process for optimizing your financial situation and your assets. Financial planning integrates knowledge from the areas of estates, finance, insurance and risk management, investment, legal aspects, retirement, taxation and more. (IQPF, 2019)

Oftentimes, advice is only obtained on one or two components of a person’s finances at a time, with little consideration for other variables. For example, we often meet individuals who have been obtaining stand-alone investment advice, disregarding the consequences of such advice on retirement and tax planning…

Your Personal
Chief Financial Officer (CFO)


Fragmented advice is more prone to error due to lack of overall financial clarity. Ultimately, it leads to ineffective planning, unnecessary taxation, and higher legal, investment and insurance costs. By collaborating with a wide network of professionals, we work with clients to ensure that all their needs and goals are met.

By partnering with us, clients effectively gain access to a personalized family office. The traditional family office model is staffed with portfolio managers, accountants, lawyers, and other professionals as needed. Our team will coordinate with all the independent professionals required to provide a similar experience at a fraction of the cost. Think of us as a “one-stop shop” to manage and answer all your financial concerns; just like a personal CFO.

Retirement planning

There are many ways to fund your golden years and they all boil down to achieving financial independence. Our process helps our clients make sense of where they stand in the present, while understanding the opportunities and risks ahead.

Retirement planning is ongoing. Even when you are retired, it is important to continue to monitor the evolution of your plan and finances. In doing so, our planning process enables us to optimize your retirement cash flow needs to increase the longevity of your assets, to reduce your income tax, and to maximise access to pensions and other government programs.

Estate Planning

It Pays to Plan

Whether one is planning on leaving a legacy behind, or simply wants loved ones to be well taken care of, it pays to plan. True estate planning aims to make the most of what’s bequeathed by reducing the estate shrinkage caused by taxes, fees and other unexpected situations. By planning ahead, there could be substantial savings, especially in the area of taxation.

Risk Management Plan

Risk management planning

Life and
Health Risks


Even the best plans can be derailed by unforeseen events. No wealth management plan would be complete without stress testing for known risks. A disability can derail the capacity to save, while eroding accumulated capital. A sudden sickness or death can seriously impact financial security. Fortunately, these risks can be quantified and mitigated within our planning process.

Risk management planning

and Professionals


Whether a professional or an entrepreneur, you have worked hard building your business over several years or even decades, creating income and accumulating wealth. Even so, a business or professional liability lawsuit can put everything at the risk of loss. Piece of mind can be achieved by sheltering your assets from such risks.

Risk management planning

Managing the Volatility
in a Portfolio


It is essential to tie your portfolio with your financial realities. Excessive volatility can significantly alter your ability to fund your objectives. This is especially true if you need to withdraw income from your portfolio during a period of market weakness. Our planning approach aligns investment discipline with your financial plan, while sheltering your cash flow needs from excessive volatility.

Tax Planning

Lowering your tax burden will go a long way towards achieving your financial goals earlier. A dollar saved is a dollar earned. This dollar can then be reinvested, compounding the effect of professional tax planning.

The 4 D’s of Tax Planning


To enhance your net accumulation, we identify opportunities to:

  1. Divide your income. When possible, income splitting amongst family members often results in significant savings.
  2. Defer taxes. Income tax deferred allows for a larger compounding of investment return.
  3. Deduct from your income. Opportunities to deduct any part of your earnings should be pursued.
  4. Decrease your tax rate. It is possible to decrease your tax rates by carefully selecting the source of the income generated.

To achieve these tax planning objectives, it is crucial that we work alongside our clients’ accountants, lawyers, and other financial professionals. This coordination is key to avoid costly mistakes and inefficiencies.

Stocks, bonds and mutual funds are offered through Manulife Wealth. Insurance products and services are offered through Manulife Wealth. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada.


1405 Trans-Canada Suite 200
Dorval, Quebec, H9P 2V9


(514) 421-7090 ext. 344
1 (866) 713-8969