A full range of services to meet your financial needs

Financial planning is not an investment product, but rather an ongoing process designed to help you achieve your goals by making smart decisions. It begins by evaluating your current financial situation, identifying and clarifying your goals, and then creating the appropriate plan for pursuing them. We look at planning through a wide lens and develop strategies designed to pursue your goals.

Our disciplined planning process accounts for your short- and long-term goals, your tolerance for risk and the stage of life you are in, while also keeping a watchful eye on today’s complex domestic and global markets. In our experience, that’s the best way to customize a comprehensive, diversified portfolio that is flexible enough to meet your needs now and in the years to come.

Our financial plans offer a high-degree of personalisation that matches your investments to your goals and ability to take on risk. We analyze each potential opportunity to find just the right ones for you, your family and your goals, while also helping to manage your liabilities so you feel confident in your complete financial picture.

The result is a financial plan that is as dynamic, vibrant and enduring as the lifetime of achievement it represents. Simply put, we believe our business is people and their financial well-being, and we are as committed to your success as you are.

Preserving your wealth and maintaining your standard of living are among your highest priorities. Because people are living longer today, the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax strategies, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset protection and reallocation.

We understand that there should be no compromise when it comes to your financial future. That’s why we work diligently to serve as the ultimate steward for your wealth, simplifying life’s complexities with a full spectrum of strategies for a tailored plan that we believe is the only one you’ll ever need.

No matter what stage of life you’re in, we can help you pursue independence, freedom and the things that matter most to you. Your journey begins now. Let us help get you on your way.

Our objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We know that proper asset allocation among cash, equity, fixed-income securities and alternative investments can be an effective way to pursue investment goals. We believe the formula for investment management should include the key components of skilled investment research, long-term planning and a well-managed professional relationship.

Asset allocation does not guarantee a profit nor protect against loss. Alternative Investments are not suitable for every investor. They involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.

We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants and tax advisers – to help minimize the impact of taxes. By developing and implementing strategies designed to lessen or shift current and future tax liabilities, we can help improve your prospects for meeting your financial objectives. In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs.

While we are familiar with the tax provisions of the issues presented herein, as financial advisors of Raymond James, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favourite charity, proper estate planning can ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.

Through the Raymond James Canada Foundation (RJCF), we offer customized solutions for high net worth investors looking to create strategic charitable giving programs without the bother of setting up and managing their own private foundations.

With the RJCF professional management team, we advise you on how to create philanthropic granting programs that are based on your personal wants, needs and desires. We focus our solutions on what you value most. We understand your passion, determination, and commitment to making the world a better place, and we provide you with the vehicle to achieve it.

The Raymond James Canada Foundation is a registered charitable private foundation that offers charitable giving accounts called donor advised funds as a way to facilitate charitable giving for our most valued clients.

How can I make certain that my family is comfortable if something happens to me? Can I protect myself and my family from creditors? Is it possible to create my own pension or reliable income stream? How can I afford long-term care? Life insurance and life annuities may be the answer.

Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. We can provide a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family, your business or your organization. For example, we can help you build a protective cushion with life insurance, preserve your estate with long-term care insurance, and combine protection and tax-advantaged growth opportunities with annuities.

Guarantees are based on the paying ability of the insurance company. The decision to purchase life insurance should be based upon long-term financial goals and the need for death benefit. Life insurance is not an appropriate vehicle for short-term savings or short-term investment strategies. While the policy allows for loans, you should know that there may be little to no cash value available for loans in the policy’s early years.