Nos Domaines de compétence

  • Droit pénal économique
  • Droit de la circulation routière
  • Conseil en droit des affaires
  • Droit pénal général
  • Création et gestion de structures juridiques
  • Gestion et planification patrimoniale

Our Approach

Our approach includes 4 phases

Phase 1: Data collection

We get to know you: we ask the right questions and we listen to you. We also make sure that you feel comfortable in establishing a relationship of trust with us.

The main items discussed at this stage are:

  • Your balance sheet (assets and liabilities)
  • Your budget
  • Your tax details
  • Your legal documents
  • Your goals and priorities

Phase 2: Setting goals

  • Clarification of goals and objectives pursued
  • Drafting and validation of the contract
  • We work to achieve a specific goal or goals, realistic and
    measurable.
Financial Planning Granby

Phase 3: Strategy and Recommendations

Analysis

We develop recommendations and an action plan that will achieve the purpose(s) targeted.

Phase 4: Monitoring and appropriate assistance

We carry out the necessary monitoring to ensure that the established strategy generates the desired results. "Advice that will take you far"

Integrated personal financial planning, both for the individual and for the business owner, has 7 fields of intervention, all combined from your goals and priorities.

Here are our 7 fields of intervention:

Finances

  • Create the personal balance sheet (assets and liabilities)
  • Inventory of revenues and expenses
  • Set goals in terms of budget
  • Liability management and increase of saving capacity

Tax

  • Determination of payable tax
  • Using investment vehicles that offer tax incentive
  • Maximizing the use of the exemption of capital gain
  • Maximizing the deductibility of interest
  • Optimizing income splitting strategies
  • Optimization of net pension income

Placement

  • Investor profile and risk tolerance
  • Current portfolio analysis
  • Investment strategies, taking into account your objectives and the
    managers and optimizing tax efficiency
  • Monitoring and evaluation of investment performance
  • Adjusting to changes of your investment needs, including
    disbursement at the time of retirement

Legal

Identify your current environment, establish your legal objectives and develop recommendations that identify and / or take into account documents such as:

  • Marriage contract
  • Obligations arising from a situation of separation or divorce
  • Incapacity mandate
  • Will and / or death "ab intestat"
  • Proxies
  • Shareholder agreements
  • Book of minutes
  • Employment contract and trade agreements
  • Asset protection trust

Retirement

  • Establish your retirement needs and goals, taking into account age, life expectancy, inflation, risk tolerance, etc.
  • Determine whether you can consider early retirement

Succession

Creation of your estate balance sheet

  • Assess tax liability due to death
  • Estate planning strategy to ensure continuity of management, both
    personally and commercially
  • Post mortem planning strategy to maximize the net value of the estate, to reduce the tax burden before and after death
  • Transfer of assets to heirs, safe from existing or potential
    creditors
  • Use of planned charitable donation strategies

Assurance

Assessing your insurance needs:

  • In case of death
  • In case of disability
  • In case of serious illness
  • In case of long-term treatment

Assessing your existing protections and your budget capacities
Recommendations and establishment of insurance strategies
Monitoring and adjustment to changes of your insurance needs

Financial Planning Granby
203-133 Rue Robinson S. Granby, QC J2G 7L5