Services
Whether you are seeking advice on disability insurance or a comprehensive evaluation and recommendation on all important elements of your financial life, our first priority is to listen to your needs and share our process with you. This involves an initial interview where you will ask us a lot of questions to ensure our firm’s philosophy and resources fit your needs. Based on your situation, we will explain how we can best assist you. It is important that you are comfortable with our style. We are interested in building long-term relationships where we can provide true value to our clients.
Integrated Financial Planning
Financial planning is a life-long evolving process that keeps you focused on the things that matter most to you. Our Lifetime Clarity Program™ can help you gain greater understanding of your situation and the full effect of your planning decisions so that you will always proceed with confidence towards the important goals of your life. We believe that having clarity and confidence about your financial future is the only way you can enjoy your personal and financial journey.
Investment Planning - RRSP, TFSA, RESP
Your investment portfolio will ultimately provide for the realization of your important goals. Our focus is to help you cultivate a portfolio that keeps you within your comfort zone, maximizes tax efficiency and capture opportunities as they present themselves. Being an independent firm allows us to choose the best possible products in the market when building and customizing your portfolio. We seek for fund managers who have a proven track record and stand behind their clearly defined investment philosophy and management style regardless of market conditions.
Risk Management - Life, Disability, Critical Illness
Risk management and insurance is the cornerstone of any financial plan. Whether it is the protection of your family against life’s tragedies or the replacement of your income in the case of a disability, an effective insurance program works to ensure that you have enough money to make good decisions when the moment calls for it. At Clarity Group, we can show you how to take the worry out of planning for the unforeseen and have a program in place so you can focus on the all of the positives in your life.
Professional Incorporation Strategies
Professional incorporation offers tax deferral and incoming splitting opportunities. Upon sale of the shares, you may also qualify for the capital gain exemption of up to $750,000 due to its small business status. However, investment income from retained earnings (profits from current and previous years that have not been paid out to shareholders) is taxed at almost 50%. Furthermore, the corporation can potentially lose its small business status if the investment income exceeds a percentage of the business income. At Clarity Group, we will work with your accounting and legal counsels to develop in-depth and solid financial strategies suited to you so you can maximize the benefits of incorporation now and for years to come.
Major Insurance Companies
| BMO Life | Canada Life |
| Equitable Life | Empire Life |
| Great West Life | Industrial Alliance |
| Manulife Financial | RBC Insurance |
| Standard Life | Sun Life |
Major Fund Companies
| Acuity Funds | AGF Management |
| CI Investments | CIBC Renasaunce Investments |
| Dynamic Funds | Franklin Templeton |
| IA Clarington | Mackenzie Financial |
| Manulife Investments | National Bank - Meritage Portfolios |
| RBC Asset Management | TD Mutual Fund |
