Retirement Planning: A key component of our practice. We utilize comprehensive investment and retirement software to determine if clients are on track in reaching both their retirement and investment goals.

Estate Planning: We can help in this integral component of financial planning. Minimizing taxes, preservation of capital, reducing probate fees, and gifting are all part of the efficient estate planning strategies we use.

Insurance^†: Our experts can assist with life and disability insurance planning, along with other applications for insurance such as wealth accumulation with tax-free compounding outside an RRSP, insured annuities to generate income and preserve capital, and more.

Education Programs: The cost of post-secondary education in Canada is high and still climbing. Registered Education Savings Plans (RESPs) offer a dedicated savings approach with attractive benefits, including tax-deferral and the federal government’s Canada Education Savings Grant.

Integrated Managed Accounts (IMA): A discretionary fee-based program implemented by a team composed of the client, portfolio management specialists, and a professional investment manager. It first outlines in writing the client’s unique investment goals, tax situations, risk tolerance and other special needs. This becomes a blueprint to establish an individually designed portfolio, monitored and managed on a constant basis. This program requires a minimum investment of $100,000.

Business Succession Planning: We offer consulting services to plan and finance a successful transition for both family-run and public businesses. It is a comprehensive process designed to assist the business owner in planning for the eventual transition out of business management and the transfer of business ownership upon retirement.

Liberty Account: A convenient and powerful investment platform that delivers the functionality and flexibility of a full service brokerage account for a single, asset-based fee.

SEI Portfolios: A comprehensive fee-based discretionary program. It is based on an outsourced manager-of managers process which allows access to the best investment managers around the world, and then tracks every manager, every trade, every day — with the objectivity to change drifting managers fast, and cut the cost of continuing poor investment performance. SEI Portfolios require a minimum investment of $50,000.

Mutual Funds: A key component of many investment strategies. We use the assistance of Blackmont Capital’s FAST desk and mutual fund research analysis to help select from the thousands of mutual funds available to Canadian investors.

Other Investment Products: Stocks, bonds, tax-advantaged investments, money market instruments, GICs, annuities^†, etc. are some of the many other investment products available.

^† Insurance products and services are offered through Blackmont Insurance Services Ltd.

Please note that comments included throughout this publication are not intended to be a definitive analysis of tax law. The comments contained herein are general in nature and professional advice regarding an individual's particular tax position should be obtained in respect of any person's specific circumstances.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.