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An Integrated Approach to Financial Planning

Effective planning begins with understanding your current situation and values, identifying your goals and priorities, and developing a road map for the future to be regularly reviewed and adjusted as needed. Your Financial Plan will evolve with you through your life’s stages

Life is not static and our lives have stages.  The best decisions are made when they are considered within the context of the larger picture.  Our process incorporates the areas of planning that are relevant to you which could include investments, risk, tax, retirement, estate, philanthropic and business planning. 

Tax Planning

Tax strategy is an important component in the overall financial plan that directly impacts your wealth. We consistently evaluate the tax implications impacting your portfolio and implement tax strategies to improve your overall financial well-being. We work closely with your other professionals to monitor the tax-efficiency of your portfolio in order to minimize tax obligations.

Estate Planning

Believe it or not, you have an estate. In fact, nearly everyone does. Your estate is comprised of everything you own— your car, home, other real estate, chequing and savings accounts, investments, life insurance, furniture and personal possessions. No matter how large or how modest, everyone has an estate. Our estate planning process will help create a plan that ensures your wishes are carried out in a thoughtful and tax conscious way. 

Retirement Planning

Transitioning into retirement can be a significant stage in any person’s life. Planning for that transition begins much earlier. At Eby Financial, we help you protect your wealth and develop a retirement income plan so that you can focus on the things that truly matter. We consider the following when developing a retirement income plan:

  • Appropriate product allocation to ensure a sustainable retirement income
  • Reduction of risk and volatility through the use of inflation protected assets and guarantees
  • Maximum tax efficiency using tax preferred investment vehicles and income splitting strategies
  • Full integration of all sources of retirement income, including pensions and government benefits