We answer these and other questions you have about your financial future:
- When can I retire?
- Will we have enough money?
- What does retirement look like for us?
- When should we take our CPP & OAS?
- How to know where to draw income from our investments in retirement?
- How do we reduce tax and plan our estate?
- How do we equalize passing our assets to our children?
- Should we buy that vacation property or not?
- Are all aspects of your financial situation working to the provide you with the best outcomes?
- Are all aspects of your financial situation working in sync with each other, or is one area of your financial situation working against success in another area for your financial situation?
- Unique Financial Strategies Tailored to Clients Individual Needs.
- When can we retire?
- Will we have enough money?
- What does retirement look like for us?
- How do we reduce tax and plan our estate?
- What’s important to you?
- What would you like to do in retirement:
- Travel
- Sports & Activities (Golf/Pickleball/Hiking)
- Hobbies
- Buy a Motorhome
- Buy a Vacation Property
- Buy a Boat/Yacht
- Help your Adult Children
- Help Charity
- Retirement Income Structuring:
- How to withdraw funds from your investments each year in retirement (this is one of the most important aspects of retirement planning).
- What order and amount of funds to withdraw from your investments each year.
- What is the most tax efficient manner in which to withdraw your retirement income.
- Lifelong Guaranteed Income for Retirees.
- Lifelong Income Structuring for Professional Athletes.
- Retirement Planning for Executives.
- Retirement Income Strategies.
- Pension Income Analysis.
- Severance Packages.
- Transitioning into Retirement.
- Living Expenses in retirement.
- Retirement Income Planning for Professional Corporations.
- Saving for Retirement
- Risk
- Asset Allocation
- Diversification:
- Geographical
- Economic
- Political
- Industry
- Sector
- Business Life Cycle
- What’s working
- What’s not working
- Tax Minimization
- Investment Tax Planning
- Emergency Fund
- Protecting your Wealth
- Saving for retirement
- Individual Pension Plans
- Are you properly invested?
- What is your risk tolerance?
- Risk tolerance in retirement
- Asset Allocation changes in retirement
- Asset Accumulation versus Protecting Assets
- Investment Tax Planning
- Capital Preservation
- Guaranteed Income for Life
- Investments with downside protections
- Bypassing Estate and Probate
- Tax Sheltering
- Are all areas of your financial situation set up to reduce taxes now and in the future?
- Tax Reduction & Tax Minimization Strategies
- Accessing Retained Earnings in your Corporation
- Capital Gains Funding
- Investment Tax Planning
- Bypassing Estate and Probate
How to financially deal with:
- Downside Asset Protection
- Divorce
- Death
- Disability
- Not living long enough
- Living too long
- Running out of money in retirement
- Securing your lifestyle
- Insuring your income
- Inflation
- Interest rates
- Protecting your Assets
- Capital Preservation
- Insuring your RRSPs
- Insured Retirement Plan
- Life Insurance (Term, Whole Life and Universal Life)
- Limited Pay Life Insurance
- Critical Illness Insurance
- Disability Insurance
- Long term Health Care planning
- Life, Disability and Critical Illness Insurance Consulting
- Existing Insurance policy Review
- Second opinion on life, disability and critical illness insurance
- Corporate:
- Buy-Sell Coverage
- Key Person Coverage
- Funding Shareholder Agreements
- Protecting Retained Earnings
- Tax Sheltering
- Risk of losing assets
- Market risk of investment assets
- Running out assets in retirement
- Guaranteed Income for Life
- Investments with downside protections
- Life Insurance
- Avoid losing your home in retirement
- Inflation
- Interest rates
- Investment Tax Planning
- Capital Preservation
- Guaranteed Income for Life
- Asset Accumulation versus Protecting Assets
- Investments with downside protections
- Passing assets to the next generation tax efficiently
- Bypassing Estate and Probate
- Farm & Ranch
- Businesses
- Corporations
- Professional Corporations
- Executive Retirement Planning
- Professional Athletes transitioning into retirement
- Farm & Ranch
- Family Business
- Capital Gains Funding
- Equalization Planning for Children
- Tax Efficient Transfer of Assets to Children
- Capital Preservation
- Estate Planning
- Legacy Planning
- Estate planning is important
- Tax & Estate Planning
- Tax Reduction & Minimization Strategies
- Estate Equalization for Children
- Reduce post-death legal disputes among your heirs
- Family Harmony
- Reduce the capital gains taxes upon your death
- Capital Gains Funding
- Family Farm Succession Planning
- Family Business Succession Planning
- Efficiently pass assets to the next generation
- Intergenerational Wealth Transfer
- Estate Bypass
- Probate Bypass
- Trusts – Do we need a trust?
- Will, Powers of Attorney and Personal Directives
- Life Insurance
- What’s your legacy?
- What do you want your legacy to be?
- Are you philanthropically inclined?
- Have you incorporated charitable giving into your financial plan in retirement and/or upon death?
- Donor advised funds
- Foundations
- Tax planning using Charitable Giving
- What’s your legacy?
- What do you want your legacy to be?
- Are you philanthropically inclined?
- Have you incorporated charitable giving into your financial plan in retirement and/or upon death?
- Donor advised funds
- Foundations
- Tax planning using Charitable Giving
- Retirement Income Planning for Professional Corporations and Business Owners.
- Dividend Payout Structuring
- Retained Earnings Withdrawal Strategies
- Tax Efficient Corporate Withdrawals
- Protecting Retained Earnings
- Capital Gains Funding
- Protecting Investable Assets
- Corporate Wind Down
- Holding Company
- Unanimous Shareholder Agreements (USAs):
- Buy-Sell Coverage
- Key Person Coverage
- Funding Shareholder Agreements
- Retirement Income Planning
- Estate Analysis
- Pension Analysis
- Life insurance:
- Second opinion of your life insurance needs
- Do I have the right amount of life insurance?
- What type of life insurance is best for me?
- Do I have the right type of life insurance?
- I would like to have an unbiased and objective discussion about life insurance without being pressured to buy
- Critical Illness insurance
- Disability insurance
- Civil litigation support for the legal community.
- Disability – Calculation of lost and future income.
- Divorce – Calculation of division of assets (property, income, investment, pensions), including the future growth of assets.
- Estate – Calculation of various scenarios around estate planning and determine if the best strategies were utilized.
- Retirement Suitability Analysis.
- Personal Injury – Calculation of lost and future income.
- Dependent Adults – Calculation of required future income for dependant adults for life.
- Expert Witness (Life Insurance):
- Expert Assessment of proper life insurance practices and procedures.
- Was the correct amount and type of insurance obtained?
- Were the correct procedures follow when placing the life insurance policy, so that the placement of the insurance does not jeopardize the coverage at claim time?
“Ken is a person who generates a strong sense of calm, trust, expertise and dedication to his profession. He has time for everyone, is incredibly organized and knowledgable in his chosen field. He has both inspired and motivated me by his experience and his skill at building authentic relationships“
Catherine Janssen, FCIP
Partner, Connex Consulting