“Your wealth belongs with you”
We advise on how to maximize net worth, secure incomes against risk and plan estates for the benefit of our clients, their families and charities.
Our Services
Life Insurance & Life Annuities
People will insure almost everything for what it is worth… except their own lives.
Our innovative strategies can help protect you, your income, and your capital against death, disability, and longevity risks. As independent life insurance specialists, we recommend plans based on your situation that offer advantages not found in stocks, bonds, or real estate.
Is your life insurance used as an asset and integrated within your financial portfolio?
We believe life insurance should be used as an asset and be integrated into your financial portfolio. Tax-exempt permanent insurance allows you to invest on a tax-deferred basis. In the early stages of wealth accumulation, it can be a low-cost way to create a financial safety net.
With properly structured life insurance plans, you can also provide funding for estate tax liabilities, pay debts, replace lost income, pass on more wealth to the next generation or support your favourite charities. Knowing that major issues and risks are covered as you move through life means peace of mind for you, your family, and your business.
Estate Planning
Minimize tax and maximize your wealth for the next generation.
We collaborate with families and advisors to help design the best intergenerational planning, offer clear advice on tax-efficient ways to maximize your wealth during your lifetime, and provide for those you care for long after you are gone.
Are you minimizing tax and maximizing your wealth’s impact on the next generation?
First, we listen. Then, we combine research-driven insights with your values to help you better achieve your objectives. We make life insurance an integral part of estate planning and apply a long-term perspective to help families protect, grow, and successfully transition their wealth through generations.
Charitable Giving
Being kind and generous to others is essential to living well.
Giving back to your community can be deeply fulfilling. However, ensuring that your philanthropic goals are consistent with your overall financial and tax planning strategy is essential.
Are your philanthropic goals aligned with your financial and tax planning strategy?
We can help you make a more significant impact by choosing insurance products that will allow you to give in the most cost- and tax-effective way possible. We can show you various ways to significantly reduce the after-tax cost of donations, maximize the personal benefits of giving and make a meaningful difference for the charities you care about today and tomorrow.
Employee Benefits & Group Plans
Your employees are your greatest asset.
As an employer, you can play a vital role in helping your employees look after their physical, mental and financial health. We can provide you with benefit plans that will give your employees and their families the protection they deserve.
Is your greatest asset protected?
We offer many group insurance services, including plan management and renewals. We ensure your employees’ benefits and retirement plans are affordable, meet their needs, and are aligned with your business strategy. With the right coverage, you can take care of your employees so they can take care of your business.
Asset Allocation
Never put all your eggs in one basket.
Life insurance is a low-risk, tax-exempt pool of capital that can add another layer of diversification to your overall asset allocation plan. With our time-tested guidance approach, we can show you the advantages of using life insurance as an asset while offering you straightforward advice on all available options and a clear plan with prioritized goals.
Want to know the pros and cons of all available options?
