What do you aspire to?

Plan my savings strategy for my future

We all aspire to a different lifestyle. Defining your needs and building a financial plan that will allow you to achieve your goals can allow you to carry out more projects.

Start by following 3 easy steps:

1. Make a list of your projects.
2. Define your savings capacity according to your fixed expenses.
3. Review your financial plan regularly with your Advisor to adapt it to your reality.

Buy my first property

Buying a first home is an exciting project that requires thought and planning. Do you want to make your acquisition a reality?

How to get there?

1. Determine what you can afford – there’s no point in shopping for a house that’s off budget!
2. Meet with your Advisor’s mortgage service partners and request a pre-approval.
3. Find your property and get your mortgage.

Optimize my tax impact

Are you concerned about your tax burden? Let us help you. Optimizing your tax situation aims to achieve your personal financial objectives, while realizing significant tax savings based on a precise and completely personalized action plan.

If it sounds interesting, here’s how!

1. Meet with your Advisor to analyze your financial situation.
2. Get recommendations from a qualified professional.
3. Review your action plan regularly with your Advisor to keep it up to date and adapted to your needs.

Plan my retirement

Retirement is a crucial stage of life that each of us must reflect on. Its proper planning is essential to avoid unpleasant surprises. Your Advisor can help you set your goals so that you can enjoy life to its fullest in complete peace of mind.

The following elements should be considered.

1. How you want to exit the labour market.
2. What will be your sources of disposable income – test your financial strength.
3. Is your level of savings sufficient to support your estimated pace of life?

Receive an inheritance

You inherited a substantial amount of money? Remember to make it grow through a good strategy as part of your wealth management.

Let your financial Advisor guide you.

1. Integrate your legacy into your overall investment strategy.
2. Implement a strategy to reduce your tax bill.
3. Adjust your financial plan to your new reality.

Develop my philanthropic plan

You may want to donate for all kinds of reasons: to leave your footprint, pay it forward or support a cause that is close to your heart. To do this, a philanthropic plan must be integrated into your financial strategy.

How do we do this?

1. Determine the cause(s) for which you wish to take action.
2. Meet with your Advisor to find out about the different options available to you.
3. Define your personalized donation strategy.

Identify my successor

It is impossible to evaluate the time, money and energy you have invested in your business over time. Succession planning is essential to ensure a smooth transfer.

Carefully plan your exit strategy to preserve the value you have created in your company.

1. Prepare your succession plan.
2. Identify your successor.
3. Prepare your knowledge transfer.

Plan my business transfer

Whether you plan on retiring next year or in a few years, your Advisor can help you establish a transfer plan that will allow you to plan for a rewarding retirement and the future of your business.

Plan in advance for the transfer of your business.

1. Prepare your business for a smooth transition.
2. Plan the consequences on your investment strategy and current estate plan.
3. Consider the tax implications.

Optimize my financial strategy

Your new beginning brings personal and financial changes. Defining your needs and adjusting your financial plan will allow you to have a balanced lifestyle to better enjoy it.

Reassess your plan in 3 easy steps:

1. Make a list of your projects and priorities.
2. Plan your sources of income and expenses according to your activities.
3. Review your financial plan regularly with your Advisor to maintain good financial habits and avoid unpleasant surprises.

Protect myself in case of disability

Life goes by quickly and we cannot always control everything that happens to us. No one is immune from an accident, illness or disability that would prevent them from monitoring their investments or simply from managing their day-to-day business.

Structure your plan with your Advisor!

1. Think about who you want to appoint as your proxy.
2. Meet with an expert who can guide you in preparing your mandate so that it truly reflects your intentions – specify the scope of the powers granted to your agent.
3. Stay in control of your life, despite the unexpected.

Plan my donations

You have worked your entire life and you want to pay it forward. Your social footprint can take many forms, including planned giving. Donating to charities not only allows you to support a cause that matters to you, but can also reduce your tax bill.

How do I plan my donations?

1. Select a beneficiary organization(s).
2. Define the donation strategy with your financial Advisor.
3. Establish an appropriate tax plan to support a cause without penalizing your heirs!

Prepare my intergenerational transfer

The transfer of your wealth to the next generation should be discussed and planned in advance. To avoid unpleasant surprises and to ensure that your heirs will properly manage the wealth they will obtain, look for a way to ensure a harmonious transfer based on your family values.

How do you plan your transfer to the next generation?

1. Work as a family and establish what is important to you as a whole and individually.
2. Discuss potential disagreements about your values and the distribution of your assets.
3. Find the right time to start the discussion with your loved ones.