Duane Francis | Financial Health
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Financial Health

Comprehensive Financial Planning

Comprehensive financial planning involves the detailed review and analysis of all facets of your financial situation including cash flow analysis, retirement planning, risk management, investment management, tax management and estate planning.

Overall Financial Picture

You will receive a written comprehensive financial plan that will be the driver for our strategies to help you reach your future goals. The plan will encompass Tax planning, Retirement Planning, Cash flow management, Insurance and Estate Planning and will work in tandem with your Investment Policy Statement.

Debt Analysis and Solutions

An overall analysis of your current debt will be created and observations will be communicated to you as well as some recommendations.

Disability, Life and Critical Illness Insurance

An overall analysis will be done to ensure that your insurance needs are covered. We provide non-biased advice and access to Canada’s leading insurance providers.

Small Business and Corporate Planning

Whether you are a sole proprietor or an incorporated entity, we will work with you to ensure that your business is maximizing the options available to it.

Planning for a debt-free retirement

By working together we will ensure that a debtfree retirement is an achievable reality.

Retirement Planning

Retirement Plan – Included in your financial plan will be a comprehensive retirement plan.

Income Streams

We will work together to ensure that you are receiving the maximum income required to fund your retirement in the most tax efficient manner.

Clawbacks

No one wants to have their Old Age Security income reduced when this can be prevented. We will implement strategies to ensure that you receive the income you have earned and deserve.

Reducing the “Tax Bill”

Only 2 things are certain in life, Death and Taxes. This does not mean we cannot reduce the income taxes we pay by using important tax reduction strategies.

Lifestyle Planning

The famous line “What are you doing after work” is what we will discuss as we approach the retirement years.

Certified Senior Advice

Keeping up with the changing and growing needs of seniors allows our team to be a great resource that we can put to work for you.

Investment Planning

Custom Investment Plans

Our team will prepare for you an individually tailored Investment Policy Statement (IPS) whose purpose is to establish a clear understanding between our team and you on the criteria to be used in effectively implementing and supervising a strategy for managing your investment assets. This IPS will provide support for you and our team to develop a well-conceived, long-term investment plan and a basis for making disciplined investment decisions over time.

RSP/RIF/RESP/RDSP

Registered plans are available to shelter your hard earned money from taxes and help you achieve your goals.

Research and monitoring of investments

Research and monitoring of investments – The philosophy of our team is to acquire excellent businesses that are trading at attractive prices. In addition to our own criteria and resources, we will use the research resources of our firm, research partners along with additional third party information/screening software.

Short Term Savings Vehicles

Protect and grow your short term assets with high yield savings options.

Small Business and Corporate Planning

Whether you are a sole proprietor or an incorporated entity, we will work with you to ensure that your business is maximizing the options available to it.

*Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchases declines

TAX MINIMIZATION