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a Deeper

Personal level

Retirement | Wealth | Insurance

Helping Canadians Achieve Financial Stability

Retirement | Wealth | Insurance

What we do

We Are Ready To Serve You

Thomas now works with Canadians, one on one, building that long term
relationship. He aims to understand each family’s situation, needs, and
goals, then implements a personalized plan.

Helping Canadians Achieve Financial Stability

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For Businesses

Insurance Planning

Key person insurance is one the major strategies we
implement for business owners usually when they
start to grow. Once the business gets going, what
happens if you fall sick? Usually your family can’t run your business in your absence. What they need is your earnings or income. Key person ensures that the most important people in the business are replaced so that the business can continue growing. For example, you can use the benefit of the insurance to hire another CEO to run the operations in your absence.

Wealth Transfer Planning

Small businesses already have a tax advantage
when it comes to revenue and expenses. However
when it comes to investment income, businesses
are taxed at the maximum amount. Insurance
creates a tax shelter for your investments.
It also helps when you need to pay tax on your
business when you pass a way. Insurance helps
lower that.

Employee Benefit Plan

Your employees are the lifeblood of your business.
In addition to attracting them to follow your
mission, you also want to ensure that they are
well paid, and have the incentive package to keep
them motivated. Creating an attractive benefit
package isn’t as expensive as most think.

For Businesses

Insurance Planning

Key person insurance is one the major strategies we
implement for business owners usually when they
start to grow. Once the business gets going, what
happens if you fall sick? Usually your family can’t run your business in your absence. What they need is your earnings or income. Key person ensures that the most important people in the business are replaced so that the business can continue growing. For example, you can use the benefit of the insurance to hire another CEO to run the operations in your absence.

Wealth Transfer Planning

Small businesses already have a tax advantage
when it comes to revenue and expenses. However
when it comes to investment income, businesses
are taxed at the maximum amount. Insurance
creates a tax shelter for your investments.
It also helps when you need to pay tax on your
business when you pass a way. Insurance helps
lower that.

Employee Benefit Plan

Your employees are the lifeblood of your business.
In addition to attracting them to follow your
mission, you also want to ensure that they are
well paid, and have the incentive package to keep
them motivated. Creating an attractive benefit
package isn’t as expensive as most think.

Get Advice on a Deeper, Personal Level

For Individuals

Insurance Planning

Knowing how to protect your income and wealth is just as important as knowing
how to grow it. I will show you how you can use insurance to protect yourself and your money from the tax man when your world is upside down. All while ensure that the future generation is well taken
care of.

Family Insurance Planning

When it comes to getting married and raising kids, you have enough on your mind already. This is where the parents are just too busy to even think about insurance. Yet it’s this critical time where children are at the highest risk as this is the time where they need your income the most.

Debt Management

To me, there is good debt and bad debt. And when it comes to good debt, it isn’t a bad thing at all. The millionaires and billionaires of our world can’t get to where they are today if they are afraid of debt. This isn’t to look down on anyone, but those on the street are actually debt free. So debt is good, but it also needs to be managed.

Estate Management

We know that we want to leave the best for our family and our future generations. That when we leave them, we leave with fond memories and not burdens. When it comes to our estate we take the time to ensure that the systems are in place to transfer to the future generation.

Cash Flow Management

I understand that saving is a lot harder than spending. But at the same time, no
adult wants another ‘parent’ to tell them what they can and cannot buy. My role here is very simple. I first take the time to go over where you are financially at
currently. We then look at the upcoming goals. By making predictions on your salary, strategies, we can start to formulate a plan to ensure that you can spend
what you want to spend but also hit the goals you want. We don’t say you can’t buy nice things, we just show you better ways to get what you want.

Wealth Planning

Get clear on what you need to do to get ahead. Learn the steps to get you closer to that house, car or vacation property! Once you have the right systems in place then we can begin to grow. Build that wealth with more advanced techniques and work with a team of lawyers, realtors,
and other investors. You see the most wealthy people, have teams of people working with them. That is how our system works as well. As you grow, I will start referring you to others in my business, where we communicate and work on your wealth together.

Risk Management

When you drive a car, do you automatically put on a safety belt? We do it out of habit, incase of an accident. But at the same time we never expect to get into an accident, if we do, we are glad to know that a safety belt and the airbags work. In the same way, when we go through life, no one expects to fall to illness, disability, or even pass away with debt. But if we do, it would be good to know that some systems are in place. Our team often focuses on risk management before asset management. When constructing a building, you first build a fence to protect your asset.

Retirement Planning

Knowing your money will outlive you will give you peace of mind. I will show you what you need to do to have a vibrant and abundant retirement. When it comes to retirement planning, I focus on 4 main categories. First I want to ensure you have the money to survive, the financials to support your absolute essentials. Second, as this is what most
people call their Golden Years, we want to make sure there is enough to enjoy that retirement life. Finally I want to ensure that there is a medical fund readily available for my clients that need it. No matter how much fun retirement is, there is a time that we will slow down, and medical attention is required.

Asset Management

Once we have your risk management in order, this is when we focus on whatpeople care about the most, investments. Our strategy isn’t focused on the “best” return, no one has a crystal ball that can predict exactly what will happen. Instead we first look at the goals of your investment. Is it for a home, a car, for retirement? By knowing what it is we are working towards, then we can build a more specific investment strategy. Often, “more money” isn’t a strategy.

Tax Management

Living in Canada has massive benefits. Clean air, good food, and good medical benefits. But all that has a cost, and we have some of the highest taxes in the world. When it comes to tax management, we don’t mean to cheat, or not pay taxes. Rather use the systems that the government of Canada has offered us to help us lower or defer the tax we need to pay. Canada favors the family, are you taking full advantage?