nsurance

Life, health, group, business, partnership, mortgage, Travel.

 

Critical illness and salary insurance

Did you know…..
Your chance of becoming disabled for 90 days or longer, at least once before age 65,is 1 in 3.*
The average length of a disability that lasts over 90 days is 2.9 years
To find out more please click here.

 

Financial Services

RRSP, RRIF, RESP, Annuities, Mutual Funds, Segregated Funds.

 

Retirement Projections.

Do current assets and savings allow you to retire? If not, what are your alternatives?

 

Comprehensive Financial needs analysis

Analysis of retirement and college savings, disability and life insurance, estate planning needs.

 

Investment Review.

Review and assessment of current investments. Preparation of investment plan. How much should you withdraw annually? What accounts should you drawdown first for maximum benefit? How should your RRSP distributions be setup to save the most?

 

Retirement Planning.

How much should you withdraw annually? What accounts should you drawdown first for maximum benefit? How should your RRSP distributions be setup to save the most?                                                           BACK TO TOP

 

Estate Planning Preparation.

How does your financial situation impact your estate planning? Do you have enough assets in  spouse's name? Are there special considerations for employee stock options and other complicated assets?

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Education  Funding Analysis.

What amounts should you save, and what savings vehicles should you take advantage of to minimize taxes and get the most from your savings?

 

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Consultations

Clients discuss their financial concerns. Questions such as "How do I rollover my RRSPs?" are typical. Some focus on a single tax or investment problem. These sessions usually last 1-2 hours.

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Projects

Clients may want a retirement projection to see what changes are needed to retire early. Older clients may want to examine estate planning strategies. Executives with stock options want to know what they're worth, tax strategies, pitfalls, when to exercise. Younger folks may seek a financial plan on how much to save for children's college, for retirement, how much insurance to have, etc. After reviewing your situation, we provide an estimate before continuing the project.

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Long-Term, Ongoing Service

Some clients want a closer relationship - an adviser on call. Clients use our professional investment management services where we coordinate all accounts, personal, RRSPs, RRIFs, and annuity accounts, under an overall, guiding Investment Plan to produce high-quality results at risk levels clients choose. Their money is kept working for them by using top-quality no-load or Back-end Load Segregated or regular mutual funds. We use funds from several fund families to tap the best each has to offer. Ronald Sayegh brings a wealth of investment skill and knowledge to investment selection and portfolio management.

For those saving for retirement or children's college, we recommend the best tax strategies to do so. How can we get the most for those dollars? Each year, we analyze your current income and cashflow situtation to suggest how to maximize pension contributions, take advantage of RRSPs, and college saving vehicles.

For retired clients, we advise on how best to withdraw from savings to minimize taxes and maximize wealth, distribution elections from RRIFs and annuities, and all the complications retirement today brings.

In addition, we raise issues each client should be concerned with based on their situation: long-term care insurance for older clients, estate planning for younger clients, disability and life insurance for family wage-earners, and more.

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