Life’s milestones, events, circumstances and the unexpected—personally and professionally—will have an impact on your short- and long-term financial goals. Change is inevitable, so having a plan in place, with the flexibility to shift and evolve, can make all the difference.

 

At Investco Financial, we can help you create a personalized financial plan that incorporates your unique needs and ambitions. You can rely on our in-depth knowledge and experience to guide you through the process, from developing your financial strategy to identifying opportunities to helping you stay on track toward reaching your goals.

 

Know what you’re planning for

At Investco Financial, we can help you create a financial plan to map out how your estate and assets will be managed. Your financial plan reflects your unique needs, wants and wishes. It can help:

• Keep a business, property or cherished asset in the family

• Protect assets and help others make decisions on your behalf

• Provide ongoing management of your affairs

• Minimize the tax burden for those inheriting your wealth

• Fulfill your philanthropic goals and create your personal legacy

 

A Comprehensive Approach 

Your plan will help address and integrate all aspects of your finances, including cash and debt management, tax and investment planning, risk management and retirement and estate planning.

 

Explore tax planning strategies

At Investco Financial, we can recommend potential tax strategies that may suit your situation. These include:

• Different forms of income splitting, such as a family trust or spousal loan at the Canada Revenue Agency (CRA) prescribed interest rate

• Tax-efficient investment vehicles

• Investing in registered accounts, such as Registered Retirement Savings Plans (RRSPs), Tax-Free Savings Accounts (TFSAs) or Registered Education Savings Plans (RESPs)

• Different forms of charitable giving

• Distribution of assets between your accounts

• Approaches for transferring wealth to beneficiaries

• Potential structures, such as holding companies and insurance

 

Personalized estate planning

We take the time to understand your circumstances, wishes and intentions. With that in-depth knowledge, we can provide Will and estate planning recommendations that are consistent with your objectives. Depending on your situation, this may include:

• Tax-efficient strategies to transfer your wealth to your chosen beneficiaries

• Determining potential trust options that may be appropriate

• Considering options for charitable giving to leave a lasting legacy

• Reviewing asset ownership structures and planning for taxes at death

• Considering potential insurance strategies and coverage needs

• Evaluating your objectives based on your current financial situation

• Different methods for transferring your assets

• Reviewing your existing estate plans to ensure they still meet your wishes and objectives

• Planning considerations to help preserve family harmony or address unique family situations

 

Ideal retirement planning soltuions

Whether you’re already retired, nearing retirement or it’s well into the future, we can create a plan to help you reach your goals within defined time horizons. We can also help answer your questions, which may include:

• Will you have enough to maintain the retirement lifestyle you want?

• Will your retirement income last as long as you need it to?

• What if your situation changes before or during retirement?

 

Our customized retirement solutions and services may be ideal if you:

• Need in-depth financial advice tailored to your retirement needs and objectives

• Earn a high annual income and are looking for tax-efficient ways to save beyond a traditional Registered Retirement Savings Plan (RRSP) and Registered Retirement Income Fund (RRIF)

• Can benefit from enhanced retirement plans, including Individual Pension Plans (IPPs) for incorporated professionals and business owners

 

 

Knowing how situations can change, we can create retirement projections to help you understand how different scenarios and assumptions may impact your retirement plans.

 

Our work doesn’t end with your plan—it’s just the beginning. As our client, you have access to a wide range of Investco Financial's solutions and services. We also offer specialized tools, resources and expertise to help you every step of the way in identifying, planning for, tracking and realizing your goals.

 

We’ll guide you through your choices, help you manage your plan and make adjustments according to your evolving needs, changing market conditions and the latest insights from global investment strategists.