Comprehensive Planning

Your financial well-being and security are at the core of our investment strategy.

No product is suggested if they do not bring great value to you and your family.

Often, paying off your debts is the best strategy, and later comes the need for vehicles and products.

Basics of Financial planning

Risk Management

Retirement Planning

Tax & Estate Planning

Portfolio management

Basics of Financial planning

We excel in financial planning for every life stage, providing expert analysis and bespoke strategies to meet your unique needs. From financial mathematics foundations to the most complex detail, we ensure that every facet of your plan is of the highest quality and comprehensive. Whether you’re starting out or looking to optimize your current financial situation, our mastery in crafting personalized plans is unmatched, ensuring you’re well-equipped for a secure financial future.

Risk Management

Effective financial planning anticipates not only the highs but prepares for the unexpected lows as well. Our expertise lies in pinpointing life’s uncertainties — from health setbacks to accidents, and the eventual certainty of death — and devising robust strategies to mitigate their financial impact. We specialize in identifying and sealing the gaps in conventional plans with tailored insurance solutions and strategic liquidity provisions. Our commitment ensures that you, and your loved ones, remain financially secure in the face of life’s unpredictable challenges.

Retirement (savings and income) Planning

Retirement planning is about setting a course for a comfortable and secure retirement. It requires assessing your current lifestyle and creating a plan that will allow you to maintain the same lifestyle at retirement. By focusing on strategic savings and cash flow management, we provide the clearest projection of your retirement finances.

Our objective is to help you build a financial future that not only sustains but also enriches your life after work, ensuring that your transition into retirement is marked by the comfort and security you deserve and envisioned.

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. One of the greatest way to add value with minimal risk taking lies in leveraging the opportunities provided by the Canada Revenue Agency (CRA) and Revenu Québec (RQ). Wealth is only meaningful on a net basis, an essential principle that underpins all our strategies and calculations.

Our objective is to optimize your net wealth and ensure financial security through all life’s stages and beyond. Our clients are often astounded by the significant value we can add through prudent fiscal optimization and by adopting a multigenerational perspective on wealth—minimizing risk while maximizing legacy.

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. It’s not just about selecting securities, it’s about understanding there are factors we can control, factors we can’t control and having the wisdom to differenciate the two.

Our commitment extends to fostering enduring client relationships, often spanning multiple generations. Initiating retirement savings in one’s twenties and sustaining them throughout life is a journey we navigate together, paralleling the strategies of premier Canadian pension plans. Our focus isn’t on short-term market outperformance; instead, we practice prudent, stable investing, concentrating on the factors we can control.

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

Products and financial vehicles

Your financial well-being and security are at the core of our investment strategy.

No product is suggested if they do not bring great value to you and your family.

Often, paying off your debts is the best strategy, and later comes the need for vehicles and products.

Mutual funds
Equity
Obligations
Alternative Assets

Segregated Funds

Structured Notes

Green Funds

Long-Term Investment Products

We build multi-generational financial plans and require products that will match our time horizon. The longer funds are invested, the better we should expect performance. We do extremely prudent planning while keeping a performant asset diversification.

Short-Term Liquidity Products

Almost riskless securities to cover both predictable and unpredictable liquidity needs. A must for cash flow management.

High-Yield Savings Accounts

Guaranteed Investment Certificates

Short-Term Obligations Funds

Short-Term Liquidity Products

Almost riskless securities to cover both predictable and unpredictable liquidity needs. A must for cash flow management.

TFSA – Tax-Free Savings Account

RRSP – Registered Retirement Savings Plan

RRIF – Registered Retirement Income Fund

RESP – Registered Education Savings Plans

RDSP – Registered Disability Savings Plan

LRIF/LIRA – Locked-In Retirement Income Fund/Account

Trusts

FHSA (New) – First Home Savings Account
Etc.

Fiscally Registered Vehicle

One of the greatest way to add value with minimal risk taking lies in leveraging the vehicles offered by CRA and Revenu Quebec. It includes : TFSA, RRSP, RRIF, RESP, RDSP, LRIF/LIRA, trusts, FHSA.

Risk Management Products

When building a plan, it is essential to consider the entire range of potential eventualities: we do not want to be over exposed to any potential unfortunate turn of events. In fact, the expected value of a plan is equal to each potential eventuality times their probability of occurrence.

In the right context, insurance products add tremendous value to plans. They can also be wonderful estate planning tools.

Life Insurance

Temporary

Whole Life (Estate Planning)

Universal Life

Disability Insurance

Critical Illness Insurance

Long-term care Insurance

Risk Management Products

When building a plan, it is essential to consider the entire range of potential eventualities: we do not want to be over exposed to any potential unfortunate turn of events. In fact, the expected value of a plan is equal to each potential eventuality times their probability of occurrence.

In the right context, insurance products add tremendous value to plans. They can also be wonderful estate planning tools.

No product is suggested if they do not bring great value to your family and yourself !