Our Solutions

Retirement Planning

Our personalized advice goes beyond evaluating numbers to give you insightful retirement strategies based on our deep understanding of what truly matters to you.  We spend time to help you clarify your goals and objectives. Then, we create a comprehensive plan, which we will monitor to ensure it meets your changing needs.

As your retirement savings grow, we identify additional opportunities to create financial flexibility with tax-efficient strategies that reflect your unique goals.  Even if you spend less during retirement, the effects of inflation will still affect your purchasing power. We will show you how to work with the fact that inflation does not stop when you retire.

Throughout your retirement, your earning power and investment returns will be affected by inflation. Historically, the cost of living has increased each year. This can create a challenge, as you need more with every passing year to maintain your lifestyle.

Tax Planning

Over their lifetime, many Canadians spend more on paying their tax bill than on mortgages, cars, travel, education, and other expenditures. Tax planning can be complicated, and it makes sense that many people are confused about how to manage their wealth tax-effectively and grow it to maintain their lifestyle. We can help create a financial plan that not only achieves your financial goals but also is tax efficient.

We will help guide you on ways to minimize your tax exposure, now as well as upon your passing, in these and other areas:

• Deductions and credits
  Knowing all the tax deductions and credits to which you are entitled can be overwhelming. Paying the least amount of taxes possible involves knowing what you can claim and identifying strategies that could help reduce your taxes this year and in years to come.
• Saving for retirement
  Are you getting the most out of your retirement resources? Remaining free of financial worries goes hand-in-hand with a fulfilling retirement. Taking full advantage of tax-minimization strategies and understanding the government benefits available to you can help maximize your retirement savings.
• Business structure planning
  As a business owner, you have options when it comes to structuring your business. Understanding what option is right for you will help you get the most out of the time and effort you put into your business.
• Compensation strategies
  As a shareholder of a corporation, you have a choice between salary or dividend compensation. Understanding which strategy is right for you will help you maximize your after-tax cash flows.
• Estate planning
  A proper estate plan can help address taxes payable upon death, whether by planning to minimize the tax bill or incorporating insurance in your financial plan.

Our team of professionals will work closely with you and your existing financial team.

Investment Planning 

You may be concerned that your current investment strategies may not work anymore, due to lifestyle changes or concerns about up-and-down markets and economic uncertainty. We will discuss those concerns and, when appropriate, offer ways to help your investment plan reflect your life plan better. 

When it comes to building your wealth, IG Wealth Management selects managers from across the globe who have a proven investment approach and are experts in managing specific asset classes. This gives you access to the best ideas and brightest talents from around the world. And IG Wealth Management is there to identify and address performance factors early on and over the years.

Learn more about our investment management team and portfolio-manager-selection process. 

Insurance Planning

The value of the role insurance plays in life has increased for many people. A well-constructed insurance plan can benefit your current financial situation and help reduce the chances of future financial challenges.

We will work with you through an initial insurance-needs analysis to help you determine your insurance requirements. Then, we will create a unique strategy to protect you and your family’s financial well-being.

• Manage risk and protect your income
  Policies for managing risks to your financial plan like life, critical illness or disability are important when protecting your family from an unforeseen loss of income or from unplanned expenses.
• Protect the value of your estate
  Insurance does more than protect you. It is also an opportunity to accumulate additional savings for retirement or to leave more of your wealth, tax-free, to the people or causes you care about.
• Guaranteed income you cam never outlive
  An important foundation of your retirement plan could be a life annuity that may provide a guaranteed foundation for your retirement income.

Cash and Liquidity Management

Cash management strategies to help you seize opportunities as they arise.

By helping you get a firm handle on your cash flow and borrowing needs (along with other factors influencing your financial life), we will create strategies that match your current lifestyle and needs and your future financial goals.

We will set in motion your cash and liquidity management strategies that capitalize on opportunities as they arise while maintaining your long-term financial health and minimizing tax obligations.

Estate Planning

Creating a lasting legacy requires careful planning.

You have worked hard to build your wealth and now is the time to take control of the estate planning process. There is much you will need to consider when preparing a carefully structured estate plan to benefit the people and organizations you care about.

• Customized estate planning
  Every estate plan is different, and we can help to ensure that your plan addresses your needs. Whether you own a business or vacation property, are separated or divorced, or are part of a blended family or common-law relationship, your estate plan should be customized to contemplate your specific situation.
• Involving your family
  Properly structured estate plans protect families and clearly define your wishes. Distributing your assets among your beneficiaries without creating tension among them requires sensitivity and careful consideration.
• Avoiding tax-related surprises and disappointments
  When considering your personal legacy, it is important to understand how your estate may be taxed at the time of your death, and to be ready for that event.