Protect your intellectual assets
Disability & Education Financial Strategy Consultants, Serving Western Canada
Many of our clients either have disabled children or member of their family. We also know that one in three 20 year olds today will face some sort of disability temporarily or permanent by the time they reach 65, so it is important that we protect their biggest asset. The ability to protect their income over a lifetime.
Our team will provide clarity where there is complexity, present an easy to understand quality financial plan with built-in solutions for your family.
We believe that all clients are unique and deserve a well thought out, and comprehensive road-map which we will review regularly and update all as needed.
Offset the cost of education
RESPs are the first choice for the vast majority of Canadians, a Registered Education Savings Plan (RESP) is the most effective way to create an education fund that grows to offset the future cost of education.
Offset unique financial challanges
Individuals living with disabilities and their loved ones face distinct financial challenges throughout their lives. The individuals involved and their family members often worry about what the future will bring and how they can prepare for it. Setting up a Registered Disability Savings Plan (RDSP) makes it easier through a combination of government assisted savings and tax-deferred growth opportunities.
Support options are available
Grants for RDSP’s
The Canada Disability Savings Grant (CDSG) is a matching grant that the government will deposit into the RDSP. Grants of up to 300% are available, depending on the amount contributed and the beneficiary’s family income. A maximum entitlement of $3,500 each year can be generated with a limit of $70,000 over the beneficiary’s lifetime. Unused grant entitlements will carry forward for up to 10 years.
Grants for RESP’s
The Canada Education Savings Grant (CESG) is a federal grant that helps parents contributing to an RESP. It is a grant, not a loan, so as long as it’s used for your child’s post-secondary education, you don’t usually have to pay the money back. It’s like “free” money that could provide up to an additional $7,200 in extra investment capital over time.
Setting up an estate plan that meets your needs
You can establish a trust that takes effect during your lifetime or upon your death. Either way, trusts can be used to accomplish a number of estate planning goals.
We want to hear from you.
You deserve the value of a personal, lasting relationship.
Our commitment to face-to-face relationships, a proven investment approach, the breadth of our products, and the depth of our management are what make a relationship with us so rewarding.
We look forward to working with you to help you achieve your lifelong financial goals.