1. Evaluate

• Getting to know you.
• Understanding your current situation.
• In-depth analysis of your financial goals.

• Establishing a time horizon for your retirement goals and needs.
• Evaluating your risk tolerance.

2. Analyze and Plan

• Income tax analysis leading to its reduction and optimization during your hard-working and retirement years, allowing cashflow improvement.
• Current investment analysis to establish the optimum and most tax efficient asset allocation protecting your patrimony from inflation and helping you achieve your financial goals.
• Retirement goal analysis and building the proper plan allowing its implementation in the most tax efficient way.
• Estate analysis and building a tailored plan protecting it from all hidden and unknown taxes.
• Presenting you with a personalized financial plan tailored to your goals and needs.

3. Implement

Executing our comprehensive plan through the appropriate strategies:

• Tax optimization and reduction.
• Strategic and tax efficient investment allocation.
• Debt reduction and cashflow enhancement.
• Insurance solutions and risk management.
• Business succession.
• Estate protection (wills, mandates and trusts)
• Charitable giving.

4. Monitor

• Ongoing servicing.
• Regular review meetings.
• Portfolio monitoring and rebalancing.
• Addressing evolving goals