Life Planning

You need direction, focus and motivation to make progress with your specific goals. Life Planning is about turning your goals and dreams into reality. Remember the old adage 'If you fail to plan, you plan to fail'. Along with good health, a happy family and financial health these dreams can become reality.

Tax Planning

With a careful tax-planning strategy in place, you can grow the wealth you have accumulated while minimizing your tax burden. These can include, reducing your income, increasing your tax deductions, utilizing all available tax credits.

Health Planning

Empowers your life journey and enables you to have more control and responsibility over any unplanned disability, critical need or long term need. Planning for these possibilities promotes 'self care'. Health planning will reduce stress on your loved ones who often become your 'care giver'. It will allow you to maintain your independence, dignity and most importantly your quality of life.

Retirment Planning

Planning for retirement is one of the most important actions that you can take to secure a comfortable life beyond your working years. Considerations include; Where will income come from? How long will it last? What are your needs to cover all your living expenses (necessities)? What do you want your lifestyle to look like? Last but not least, the cost of potential future health needs!

Estate Planning

Refers to the process required to transfer and preserve your wealth in an orderly and effective manner, a properly drafted will is the foundation of a strategic estate plan. From a tax perspective, your estate planning objectives can include:

• minimizing and deferring tax on your estate
• minimizing taxes on your death so that most of your estate can be preserved for your heirs
• protecting beneficiaries who are in incapacity