• Why should I work with a financial advisor?

    Financial planning is complex and it can be daunting to tackle it on your own when you have a lot of other things competing for your time. We ask the relevant questions, offer an objective perspective when it comes to making wealth-related decisions, and work with you to create a financial plan you can follow. We will be with you at every turn to adapt your plan as needed, and help ensure you are always well-positioned to reach your goals, regardless of changing priorities and market shifts.

  • What questions should I ask when choosing a financial advisor?

    How long has the advisor been in the business? What certifications, education and/or designations do they have? Do they have strong understanding of financial planning for both small businesses and personal planning? Do they focus on all aspects of wealth management, such as tax, accounting, succession and insurance-related issues, with easy access to a team of experts in those fields? Is their fee structure transparent?

  • What information will you need from me to create my comprehensive financial plan?

    We will start by discussing your current and future goals, followed by any initial concerns you may have. Next, to ensure we can provide a comprehensive plan, we will need current investment and bank account statements, insurance policies, and details on outstanding debts and monies owed, your most recent tax returns, a household budget (if you have prepared one) and plans for travel, large purchases, or helping children with education, home ownership or other pursuits.

  • What should I look for in a Laval financial advisor?

    A Laval financial advisor should be able to look beyond your investment portfolio and understand how the different parts of your financial life work together.
     
    For business owners and high-net-worth families, that may mean coordinating corporate assets, personal investments, tax planning, retirement, estate planning and business succession. It’s also valuable to work with a financial advisor who can collaborate directly with your accountant, lawyer and other professionals, rather than leaving you to connect all the pieces yourself.

  • How can a Montreal financial advisor help business owners?

    A Montreal financial advisor who works with business owners should understand that business and personal wealth are often deeply connected.
     
    Decisions about corporate cash, how you pay yourself, reinvesting in the business, preparing for a sale, retirement and estate planning can all affect one another. A financial planner for business owners can help bring those decisions together so the company you’ve built supports your personal goals, family and long-term financial freedom.

  • When should I work with a Terrebonne financial advisor?

    A Terrebonne financial advisor can be particularly valuable for anyone who lives in Terrebonne whose financial life has become too complex to manage one decision at a time.
     
    You may own one or more businesses, hold significant assets inside a corporation, be preparing for retirement or succession, or be thinking more seriously about transferring wealth to your children. At that stage, coordinated financial planning can help you understand your options and make decisions with the bigger picture in mind.

  • What should small business owners look for in a financial planner?

    A financial planner for small business owners should understand that much of an owner’s wealth may be tied to the company rather than sitting in personal investment accounts.
     
    Planning can include corporate cash flow, compensation, investments, tax considerations, insurance, retirement and an eventual business sale or succession. For owners with more complex companies, the financial planner should also be comfortable coordinating with accountants, tax specialists, lawyers and other professionals.

  • What is high-net-worth financial planning?

    High-net-worth financial planning brings together the financial decisions that become increasingly interconnected as your wealth grows.
    For business owners and affluent families, that can include private corporations, investment portfolios, real estate, tax planning, retirement income, insurance, estate planning, charitable giving and intergenerational wealth transfer.
     
    Rather than approaching each issue separately, high-net-worth financial planning looks at how the pieces affect one another and builds a coordinated strategy around your life, family and long-term goals.

  • What is high-net-worth wealth management?

    High-net-worth wealth management is designed for individuals and families whose financial needs go well beyond managing an investment portfolio.
     
    It can bring together investment planning, corporate wealth, tax strategy, retirement income, insurance, estate planning and intergenerational wealth transfer. The result is a more integrated approach to managing and using wealth over your lifetime and eventually passing it on.

  • When should I work with a high-net-worth financial advisor?

    A high-net-worth financial advisor may become especially valuable when decisions in one area of your financial life start having significant consequences elsewhere.
     
    For example, selling a business can affect tax, investments, retirement income and estate planning all at once. Experienced high-net-worth advisors can help evaluate those connections and coordinate a strategy that considers your wealth as a whole.

  • Why work with a CERTIFIED FINANCIAL PLANNER® professional?

    A CFP® professional has completed rigorous education, examination, experience and professional requirements in comprehensive financial planning.
     
    For business owners and high-net-worth families, however, credentials are only one consideration. Your financial planner should also understand complex corporate and personal financial situations and be able to connect areas such as investments, tax planning, retirement, insurance, estate planning and business succession.

  • What should I expect from a Montreal financial planner?

    A Montreal financial planner should start by understanding more than your investment accounts.
     
    For business owners and high-net-worth families, that means looking at where your wealth is held, how you generate income, what sits personally versus corporately, your plans for the business, your family priorities and what you ultimately want your wealth to make possible.
    From there, your financial planner can help turn those moving pieces into one coordinated long-term strategy.