Grandmaster
Financial Planning

Intellectual Honesty – Logic Will Prevail.

DB+

About Us

We are a Private and Independent Financial Planning Boutique, helping people with the different facets of their financial life. From career launch to estate planning. We do the planning and offer the products to achieve your goals.

What differentiates us is the depth of our analysis. We give back value from the start, using comprehensive financial strategies based on solid financial mathematics foundations and a wide array of products to support.

That is because our advisors are true independent thinkers and strategists!

The Five Elements of Comprehensive Planning

Our mission is to redefine financial planning by seamlessly integrating its essential components into a unified, holistic vision. Our comprehensive approach goes beyond addressing individual financial needs in isolation; instead, it harmoniously blends each key element to ensure a secure financial future.

This synergistic method unveils unmatched value. By adopting this all-encompassing approach, we develop strategies that are not merely effective in isolation but exponentially powerful when combined.

Our dedication to a holistic methodology enables us to create profound and lasting financial plans for our clients and their families. This approach fosters a depth of trust and commitment, elevating our service beyond conventional financial advisory roles.

Basics of Financial Planning

We excel in financial planning for every life stage, providing expert analysis and bespoke strategies to meet your unique needs...

Risk Management

Effective financial planning anticipates not only the highs but prepares for the unexpected lows as well...

Retirement Planning

Retirement planning is about setting a course for a comfortable and secure retirement...

Tax & Estate Planning

A common oversight in wealth management is equating the rate of return on investments with true wealth growth, neglecting the critical effect of taxes...

Portfolio Management

Portfolio management is the art of selecting and overseeing a collection of investments that align with your financial goals, time horizon and risk tolerance...

Our mission is to redefine financial planning by seamlessly integrating its essential components into a unified, holistic vision. Our comprehensive approach goes beyond addressing individual financial needs in isolation; instead, it harmoniously blends each key element to ensure a secure financial future.

This synergistic method unveils unmatched value. By adopting this all-encompassing approach, we develop strategies that are not merely effective in isolation but exponentially powerful when combined.

Our dedication to a holistic methodology enables us to create profound and lasting financial plans for our clients and their families. This approach fosters a depth of trust and commitment, elevating our service beyond conventional financial advisory roles.

Our mission is to redefine financial planning by seamlessly integrating its essential components into a unified, holistic vision. Our comprehensive approach goes beyond addressing individual financial needs in isolation; instead, it harmoniously blends each key element to ensure a secure financial future.

This synergistic method unveils unmatched value. By adopting this all-encompassing approach, we develop strategies that are not merely effective in isolation but exponentially powerful when combined.

Our dedication to a holistic methodology enables us to create profound and lasting financial plans for our clients and their families. This approach fosters a depth of trust and commitment, elevating our service beyond conventional financial advisory roles.

Basics of Financial Planning

We excel in financial planning for every life stage, providing expert analysis and bespoke strategies to meet your unique needs... Learn more.

Risk Management

Effective financial planning anticipates not only the highs but prepares for the unexpected lows as well... Learn more.

Retirement Planning

Retirement planning is about setting a course for a comfortable and secure retirement... Learn more.

Tax & Estate Planning

A common oversight in wealth management is equating the rate of return on investments with true wealth growth, neglecting the critical effect of taxes... Learn more.

Portfolio Management

Portfolio management is the art of selecting and overseeing a collection of investments that align with your financial goals, time horizon and risk tolerance... Learn more.

Our mission is to redefine financial planning by seamlessly integrating its essential components into a unified, holistic vision. Our comprehensive approach goes beyond addressing individual financial needs in isolation; instead, it harmoniously blends each key element to ensure a secure financial future.

This synergistic method unveils unmatched value. By adopting this all-encompassing approach, we develop strategies that are not merely effective in isolation but exponentially powerful when combined.

Our dedication to a holistic methodology enables us to create profound and lasting financial plans for our clients and their families. This approach fosters a depth of trust and commitment, elevating our service beyond conventional financial advisory roles.

Basics of Financial Planning

Learn more...

Risk Management

Learn more...

Retirement Planning

Learn more...

Tax & Estate Planning

Learn more...

Portfolio Management

Learn more...

Basics of Financial Planning

We excel in financial planning for every life stage, providing expert analysis and bespoke strategies to meet your unique needs...

Risk Management

Effective financial planning anticipates not only the highs but prepares for the unexpected lows as well...

Retirement Planning

Retirement planning is about setting a course for a comfortable and secure retirement...

Tax & Estate Planning

A common oversight in wealth management is equating the rate of return on investments with true wealth growth, neglecting the critical effect of taxes...

Portfolio Management

Portfolio management is the art of selecting and overseeing a collection of investments that align with your financial goals, time horizon and risk tolerance...

There is a 180° between trying to sell products and doing great planning!

Capsules

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Articles

LIFE INSURANCE – PART 3 : PERMANENT INSURANCE (CONTINUED)

In this article, we finish with the following details:   Universal Life (UL) and Whole Life (WL) in more detail Pricing Issues and lapse rate Capital Gains tax, Tax on RRSPs and RRIFs and Joint & Last to Die coverage Permanent Insurance as an investment?...

LIFE INSURANCE – PART 2 : PERMANENT INSURANCE

I could write a book on Permanent Insurance, but I will do two articles on it, covering:   Reasons for Permanent Insurance (PI) Types of PI and Initiation to Mortality Curve Tax Environment of Cash Value PI UL and WL in more details Pricing issues and lapse rate...

LIFE INSURANCE – PART 1 : HOW TO USE IT TO PROTECT THE ACTUARIAL VALUE OF YOUR PENSION

My Transfer Value (TV) articles were complex but your pension can be your biggest asset and what’s at stake cannot be taken lightly.  Life Insurance is the same.  It’s a complex topic too, but it can change lives!  In the next two articles, I want to show the uses of...

There is a 180° between trying to sell products and doing great planning!

Capsules

Your Title Goes Here

Your content goes here. Edit or remove this text inline or in the module Content settings.

Your Title Goes Here

Your content goes here. Edit or remove this text inline or in the module Content settings.

Articles

LIFE INSURANCE – PART 3 : PERMANENT INSURANCE (CONTINUED)

In this article, we finish with the following details:   Universal Life (UL) and Whole Life (WL) in more detail Pricing Issues and lapse rate Capital Gains tax, Tax on RRSPs and RRIFs and Joint & Last to Die coverage Permanent Insurance as an investment?...

LIFE INSURANCE – PART 2 : PERMANENT INSURANCE

I could write a book on Permanent Insurance, but I will do two articles on it, covering:   Reasons for Permanent Insurance (PI) Types of PI and Initiation to Mortality Curve Tax Environment of Cash Value PI UL and WL in more details Pricing issues and lapse rate...

LIFE INSURANCE – PART 1 : HOW TO USE IT TO PROTECT THE ACTUARIAL VALUE OF YOUR PENSION

My Transfer Value (TV) articles were complex but your pension can be your biggest asset and what’s at stake cannot be taken lightly.  Life Insurance is the same.  It’s a complex topic too, but it can change lives!  In the next two articles, I want to show the uses of...

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