Personal Services
Investment & Insurance Plan
Integrated investment and insurance strategies aligned with your financial goals, risk tolerance, and long-term vision.
Grow your wealth. Protect it too.
Building wealth and protecting it are two sides of the same coin. We review your current investment portfolio and insurance coverage together — not in isolation — to identify gaps, reduce unnecessary costs, and ensure your overall financial plan is working as hard as you are.
What's included
Portfolio Review & Asset Allocation
We analyse your current investment holdings across all accounts — RRSP, TFSA, non-registered — and recommend an asset allocation aligned with your goals, time horizon, and risk tolerance.
Life & Disability Insurance Analysis
We review your existing life and disability coverage, identify gaps, and recommend the right type and amount of coverage for your stage of life — without overselling products you do not need.
Tax-Efficient Investment Structuring
Where you hold your investments matters as much as what you hold. We advise on asset location — which investments belong in your RRSP, TFSA, or non-registered account — to minimize your annual tax drag.
Coordinated Wealth Management
We bring your investments, insurance, tax plan, and estate plan together into a single, coherent strategy — so every decision supports every other decision.
Corporate-Owned Life Insurance
For business owners, a corporate-owned life insurance policy can be one of the most tax-efficient ways to build wealth inside a corporation. We analyse whether it makes sense for your situation.
Real-world examples
Asset location
A client held all their Canadian dividend stocks in a TFSA and their bond funds in a non-registered account. By swapping the two — moving interest-bearing bonds into the TFSA and dividends into the non-registered account — we reduced their annual tax bill by $2,800 without changing a single investment.
Disability insurance gap
A self-employed consultant earning $120,000 had no disability coverage. A 90-day elimination period policy replaced 70% of their income for up to age 65 — for a monthly premium of $180. The cost of not having it: potentially $84,000 per year if they became unable to work.
Corporate life insurance
A business owner with $400,000 in retained earnings in their corporation used a corporate-owned whole life policy to shelter investment growth from the passive income rules — preserving the small business deduction and building tax-sheltered cash value simultaneously.
Portfolio rebalancing
A client who had not rebalanced in five years had drifted from a 60/40 stock-bond target to 82/18 — far more risk than they intended. We rebalanced using new contributions and tax-loss harvesting to avoid triggering unnecessary capital gains.
Frequently asked questions
Get a clear picture of your financial health
Book a free consultation and we will review your investments and insurance together and identify the gaps.
Book a Free Consultation