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Trevor's Value Proposition
Other than our regular financial planning services (see below) that are quite tangible, including the yearly tax savings of strategic tax planning and investments, let’s not forget the hidden value that we provide to you that you may not see on a regular basis. For example, being an emotionally detached advisor, whom the client can rely on for objective advice, has tremendous value in itself. We create solid financial plans based on long-term client objectives. One of the roles we provide to clients is that we act as an unemotional advisor during difficult and challenging times and our role is to help them avoid making crucial mistakes that drastically alters their plan. During a period of volatility and/or market correction, we will contact you to reassure you to stay invested and focus on the plan we had prepared based on your wishes. We will make changes as we deem necessary to protect your capital and take advantage of opportunities when they exist. By utilizing my Chartered Accountant and Certified Financial Planner Professional expertise I can offer a unique service of combining tax savings and investment strategies to increase cash flow and net worth. Having experience in both accounting and investment services enables me to provide a unique skill to business owners by being able to integrate the financial planning for both their personal and business interests. My tax and accounting background also connects me to many other professionals in the fields of mortgage, legal and accountant services. Comprehensive Services Regards, Trevor Marsh, CPA, CA, CFP Insurance products and services provided by Assante Estate and Insurance Services Inc. Chartered Accountant and Certified Financial Planner Professional Financial plan preparation and implementation.
View published source ↗The Five Pillars of the Wealth Planning Approach
Financial Planning The primary goal is to make you financially stable and comfortable. We do this through regular checkups on your net worth, current asset mix, and progress statements. We also ensure your retirement strategy and financial goals are being met while giving you the means to plan current expenses. Portfolio Selection We choose the appropriate combination of stocks and bonds through the best mutual fund money managers that will meet your risk and return needs. We do this by diversification and account rebalancing to achieve the best possible risk-adjusted returns. Risk Mitigation Our risk mitigation process is optimized in your portfolio by regular monitoring of economic conditions and review of money managers to correctly allocate assets to reduce investment risks. We also advise on other risks such as life, disability, critical illness and long-term care insurance*. Tax Planning We work to maximize your after-tax rate of return by designing your portfolio and cash flow to minimize the amount of income tax you pay by regularily monitoring client's individual situation and ever-changing income tax rules. Estate Planning The objective of estate planning is to ensure you distribute your estate to those who you want to benefit at the appropriate time in an efficient and tax effective manner. *Insurance products and services are provided through Assante Estate and Insurance Services Inc.
View published source ↗Helping You Achieve Your Goals and Dreams
Planning for your financial future is more than just looking at numbers. To me, it's the people and dreams behind the figures that matter the most. As an Assante advisor, I can simplify your life by addressing all aspects of your financial well-being from investments and insurance to tax and estate planning. I can help you gain peace of mind and achieve your dreams for the future. Whether it's a worry-free retirement, saving for your children’s education, fulfilling a lifelong ambition, running a prosperous business or leaving a legacy to your loved ones or a cherished cause, I can work with you every step of the way. Supported by a team of professionals including lawyers, tax accountants and financial analysts, I can help you make the right decisions about your wealth, and help you build the future you desire. My Chartered Professional Accountant and Financial Planning expertise enables me to offer a unique service of combining tax savings and investment strategies. Experience in both accounting and investment services enables me to provide a unique skill to business owners by integrating the financial planning for both personal and business interests. If you are looking for a financial solution that will simplify and enhance your life, please contact me for a confidential consultation.
View published source ↗Investing Tax Smart
The following is a list of some of the strategies using alternative investment products and planning to reduce client’s current and future income taxes: *Using borrowed money to finance the purchase of securities involves greater risk than using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. **Limited Partners may lose the limited liability under certain circumstances, and the General Partner may not be able to satisfy its obligation to indemnify the Limited Partners in the event of such a loss of limited liability. Investment in the Partnership involves a high degree of risk and should only be considered by those who can afford to lose some or all of their investment. The Canada Revenue Agency, at any time, may review certain tax aspects of this investment. Such a review and any assessment arising thereof may fundamentally alter tax consequences to Limited Partners. The Units will not be listed on any stock exchange. There will not be a liquid secondary market for the Partnership Units. Commissions and fees may be associated with this product. ***Commissions, trailing commissions, management fees and expenses, may all be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Please read the Fund Facts and consult your Assante Advisor before investing. Affilition with Root Bissonnette Walker LLP, CPA's
View published source ↗Investing Tax Smart
A close partnership with Root Bissonnette Walker LLP Chartered Professional Accountants allows many professional tax planning advantages for my clients. As well as the above-mentioned techniques I can guide you through, the professionals at RBW LLP have specialized knowledge in the accounting field to supplement my advice. See the link here to learn more about their services. *disclaimer - Root Bissonnette Walker LLP,CPA’s is an independent company unrelated to Assante Capital Management Ltd. (“ACM”). ACM does not provide income tax preparation services and does not supervise or review any income tax returns. ACM has no responsibility for the income tax preparation services provided by Root Bissonnette Walker LLP,CPA’s. _______________________________ Root Bissonnette Walker LLP Leverage Investment (borrowing to invest)* RRSP/RRIF Meltdown (reducing taxable retirement income while increasing after-tax cash flow) Flow-through Limited Partnerships (alternative tax deduction to RRSPs) ** Corporate Class mutual funds (deferring investment income/tax-preferred form of investment income) *** Diversifying Investment income type (capital gains/dividends/return of capital) Tax deductible fees (alternative fee structures)
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