Whether you are planning to retire or have already retired, our team can help you quantify the cost of the lifestyle you desire and create a realistic plan to support it.
Your plan considers such factors as government programs, pensions, other sources of retirement income, life expectancy and historical rates of inflation. Based on an analysis of your situation and goals, your plan works to balance your everyday needs with those for the future to allow you to live your retirement with confidence and peace of mind.
What should you be thinking about when planning your retirement strategy? Click here for our infographic.
Dive a little deeper into the factors affecting the retirement income landscape in Canada. Learn what you should consider when building your plan and discover how we can craft a strategy that works just for you. Read more.
You’re probably more than familiar with the idea that it’s important to start investing early annually and reap the benefits of compounding interest and tax-deferred growth on your money. What you may not have realized, however, is that there are strategies beyond simple contribution that can make a big difference to your end result at retirement.
You can utilize a wide range of investments options to enhance the growth of your money over time.
Our Portfolio Management System allows us to build an optimal portfolio for your needs – one that will help you achieve the long-term rate of return you need to reach your goals, at a risk level you are comfortable within the near term.
It’s the subject no one wants to talk about, but estate planning is much bigger than “having a will”. Our team can help you develop an estate plan to protect you and your family in the event of disability or critical illness, as well as establish a plan to minimize the tax on capital assets left to your heirs.
Taking care of these important steps today, can make your estate as smooth and stress-free as possible and, although not guaranteed, afford you a better night’s sleep.
As an independent team of Insurance Advisors, we recommend everyone undergo a Risk Management Review, as part of a comprehensive Personal Wealth Management Strategy. We will analyse your current personal & corporate Life & Mortgage Insurance, Critical Illness, Disability, and Long Term Care Insurance policies. We also offer Personal Health and Dental coverage as well as Travel Insurance and corporate Group Benefit Plans which often result in significant savings for our clients.
For information about any of the following services, please contact us today! - Life Insurance - Mortgage Insurance - Disability Insurance - Critical Illness Insurance - Long Term Care - Health & Dental Insurance - Travel Insurance - Group Benefit Plans
If you would like to receive some information about our mortgage and debt management solutions please speak to one of our team members about a Mortgage & Debt Management Review, please contact us today.
Insurance products offered under the personal life license of each advisor.
Registered Education Savings Plans (RESPs) have been around since 1998, but haven’t taken off like wildfire, possibly because they’re a bit complex to understand. The short story is that you can dedicate resources to fund the cost of a child’s — or grandchild’s — post-secondary education. The amounts you invest don’t result in a tax deduction, but the money compounds without tax just like an RRSP. What makes RESPs attractive is the 20% (and sometimes higher) federal grant that is earned on the first $2,500 invested each year up to a maximum of $7,200 per child.
Whether you’re wondering how to set up an RESP, how to maximize your contributions or how to start payments to your new student, please contact us and let us guide you through the next steps.
Our team has developed a program that enables you to take advantage of some of the best in savings accounts, lines of credit, mortgages, GICs and many other banking services. We will map out a full cash and credit management plan to help you lower your borrowing costs and increase your savings rates.
Because Investment Planning Counsel is an independent company, our team can shop the market for the best interest rates on your behalf. Through our partnership with Mortgage Intelligence Inc. & Invis Inc., we have access to a complete suite of financial products selected from among Canada’s foremost banks and trust companies.
Mortgage Broker services provided by Mortgage Intelligence Inc. (Lic. #: ON 10428 | SK 315857) and Invis Inc. (Lic. #: ON 10801 | SK 315928).
Most banks make money through something called "the spread" - which is the difference between the amount of interest they pay you on your savings and what they charge you on your borrowing. This inherent conflict leads many Canadians to potentially lose thousands of dollars over their lifetime.
Due to Investment Planning Counsel’s independent approach, we can shop the market on your behalf to get great interest rates on your savings and low rates on borrowing. This means that we can use one financial institution to help you grow your savings and another to reduce your borrowing costs. Our team has developed a process called the Banking Relationship Review which will examine each banking relationship you are currently engaged in and also make recommendations for ways to improve.
- High interest chequing/savings accounts - Great rate Guaranteed Investment Certificates (GIC) - Low rate Mortgages - Unsecured lines of Credit - Investment Loans - and much more
To request our IPC Advantage Rate Report and if you would like to receive information about our cash and credit management services please speak to one of our team members about a Banking Relationship Review, please contact us today.
Canadians are among the most heavily taxed citizens in the world, so it’s our right and privilege to ensure that we take advantage of any tax saving opportunities on the road to maximizing your assets. Whether it’s simply taking advantage of RRSPs, RESPs, RRIFs, TFSAs or RDSPs, our team can guide you to a tax strategy that will allow you the confidence to know you’ve maximized your tax saving opportunities.