Assante advisors in Ontario with published family wealth and intergenerational planning information

As your life evolves, so does your financial picture. We help you think ahead — not just about retirement, but about what you want to leave behind. Your plan includes thoughtful strategies for passing on wealth, minimizing taxes, and supporting causes you care about. Key Services: Estate Planning Intergenerational Wealth Transfer Charitable Giving Strategies

…ent specific needs: retirement income sustainability; risk management; tax minimization strategies; estate planning and wealth transfer objectives. Risk management – insurance planning and coverage appropriate to address life, disability, critical illness and supplemental health benefits. Cash management solutions – Canadian and U.S. dollar deposit accounts. Insurance products and services are provided by Assante Estate and In…

…ed Financial, a division of CI Private Counsel LP, is truly unparalleled in the industry. This can involve looking outside the box, and seeing what structural changes can be made. Often, corporate reorganization can be a way to multiply capital gains exemptions, increase tax efficiency, allow for purification and succession, and even provide for the smooth transfer of assets to the next generation through trust implementation.

…eams, evaluate your current financial situation, then formulate a plan to help you meet those goals. In the end, you will have a plan that addresses all of your needs by providing the most effective solutions for you and your family. To learn more about the benefits of being an Assante client, take a closer look at our customized Family Wealth Circle approach below, or contact me at your convenience for a private consultation.

…entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Whether you're planning for retirement, saving for college for children or grandchildren, or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help yo…

…n Canadian tax law, Joan helps to develop strategic financial and estate plans that include tax efficiencies, efficient wealth transfer and effective charitable giving strategies. Planning for and dealing with major life events are challenging when they touch you and your family. Joan does not shy away from those tough issues when discussing family wealth. Working collaboratively with other professionals she provides individua…

…formulate a plan that encompasses your entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Call me to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Debt management Insurance planning

…r trusted advisor, I pull all the pieces together to provide you with the big picture – an overall perspective that integrates all aspects of your situation. Together, we will review and evaluate your current financial affairs to formulate a plan that encompasses your entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests.

…entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Call us to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning Education savings plans Charitable giving Disability savings plans Insurance planning Insurance products and servi…

…elationships with Canadian farm families. Planning for the tax efficient sale of the family farm; Planning for the tax efficient transfer of the family farm to the next generation; Pre-retirement planning for the tax efficient sale of farm equipment, inventory and other assets; Planning tax efficient business structures for the family farm and other ventures; Personal tax and estate planning; Financial and retirement planning.

…plan that encompasses your entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Call me to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Mortgage and debt management Insurance planning

…as well as the tax consequences Not sure who will manage their assets when they are no longer able Concerned about the transfer of wealth to the next generation and tax liabilities In making and carrying out decisions that involve change it is vital that they have a clear understanding of the trade-offs involved Desire to establish a legacy Not sure who will manage assets when they are no longer able Concerned about the estat…

…ng their efficient transfer. Customized Estate Plans: Tailored strategies, including helping to review wills and trusts, to ensure your wishes are honored. Tax-Smart Wealth Transfer: Solutions to minimize taxes and maximize the value passed on to your loved ones, enhancing the impact of your legacy. Long-Term Protection: Secure your family's future with strategies that protect your assets today and safeguard them for tomorrow.

The financial goals of my clients are vast and vary signigficantly depending on their stage in life. We talk and strategize about home ownership, educating our children, taxation, building and protecting our income, our careers, a business, and building our net worth with properly structured investment portfolios. I know the ultimate goal for most of my clients is the pursuit of finanical independence. A stage in life when we …

…n that encompasses your entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Contact me to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Mortgage and debt management Insurance planning

…that encompasses your entire financial well-being: investments, insurance, tax planning, estate planning, personal and family wealth and any business interests you many have. Discover the Assante difference. Contact me to discuss: Investment Planning Advice - TFSA's Retirement Income Planning Tax and Estate Planning Insurance Planning Education Planning Disability Planning Mortgage and Debt Management Cash flow Management Bus…

…ices and solutions that allow you to assess and implement the latest financial planning strategies to help you achieve your retirement goals, preserve your wealth and transfer it to the next generation Will reviews Cash Flow Forecasting Family Trusts Individual Pension Plans (IPPs) Retirement Compensation Arrangements (RCAs) U.S. Estate Planning and Cross Border Taxation Issues Charitable Donation and Planned Giving Strategies

…entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Call me to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Mortgage and debt management Insurance planning Insurance products and se…

…ffairs to formulate a plan that encompasses your entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Contact us today to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning advice Insurance planning Your Complete Financial Picture