The Base Plan

We believe there can be no progress without a clear, adaptable plan built on insight, understanding and trust. The Base Plan process helps clients identify all of the important factors they need to work with in order to keep living the life they want to live. It’s a comprehensive, four-meeting planning process that takes a client’s current financial, investment and estate information, mashes it up with their investment and estate objectives, retirement plans and personal values, and presents a strategic path forward.

Here’s what it involves:

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Meeting 1

We use this meeting to get to know each other and determine how we jive. You tell us about your life and dreams. We explain our process and how we get paid. If we agree to move forward, you will take home a homework package to complete before our second meeting.

Meeting 2

We dig deep into your financial life and splay it out on the boardroom table. We ask A LOT of questions to form a picture of where you’re at, what’s important to you and what isn’t. This is the longest meeting of the four.

Meeting 3

In this meeting we explore what we would do if we were you, knowing what we know about financial planning. We review the Base Plan document we’ve compiled, including a bullet point analysis of portfolio construction, taxation, cash flow observations, etc. There is a lot of information to process after this meeting, and we deliberately make no decisions because the breadth of our discussion typically requires some reflection before action.

Meeting 4

Now that we’ve acquired the knowledge and insight necessary to make decisions, we make decisions. Who should do what, why and when? If we decide to move forward, an advisor team is established with Jordan playing quarterback. This team might include your lawyer, accountant, insurance broker, existing financial advisors, etc. After this meeting, we begin implementing the Base Plan.

Services & Solutions

Investment & Asset Management



  • Goal setting and Required Rate of Return

  • Asset allocation based on personal goals and objectives

  • Ensuring investment selection is in-line with goals and risk tolerance

  • Tax efficiency of Investments

  • Fee analysis

  • Continuous monitoring and goal checks


Retirement Planning



  • Retirement income projection and analysis

  • Pension analysis

  • Severance

  • TFSA or RSP?

  • Goal setting

  • CPP and OAS analysis


Estate Planning



  • Legacy planning

  • Inheritance

  • Intergenerational transfers

  • Estate bond

  • Gifting to children

  • Trusts

  • Charitable donations


**Some estate planning strategies may require the involvement of a legal professional.

Tax Minimization Strategies



  • Tax efficiency of investments

  • Tax deferral

  • Tax conversion

  • Passing assets through your estate

  • Income splitting

  • Intergenerational transfer


**Tax minimization strategies abide by rules set forth by the CRA and may require us to work alongside a chartered accountant. 


Corporations and Businesses



  • Business risk management

  • Investment and asset management

  • Group RSP

  • Tax efficiency of business income

  • Group benefits


Risk Management & Needs Coverage



  • Income protection

  • Asset protection

  • Family protection

  • Estate protection

  • Travel insurance


**As independent, licensed insurance advisors, we represent over 14 Insurance companies.

Other



  • Capital needs and cash flow analysis

  • Education planning

  • Short-term goal planning

  • Debt management

  • Beneficiary audit


* We work closely with accountants and lawyers, ensuring goals and objectives are streamlined.

LEARN MORE


Let’s talk about creating a plan that is right for you.

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