The building and retention of wealth requires capitalizing on opportunity. Here is a list of just some of the specialized options available to the retail investor.
The science of portfolio construction involves quantifying risk and balancing against the potential for return using computer software. This ensures a reduction in volatility while capturing market upside.
Many forms of trusts exist with various benefits to accomplish certain goals. These entities can provide avenues for tax minimization, income splitting with individuals or a trust itself, and asset protection for current and future beneficiaries.
By developing economies of scale, we can bring institutional type investing to the retail client.
Traditionally this type of investing has only been accessible by endowment funds, pensions and institutional investors. Accessing these types of investments at the retail level creates an additional element of asset class diversification.
The ability to diversify traditional holdings through the pooling of commercial real estate properties
Income splitting can be accomplished in many ways. The use of a spousal loan may help a family reduce its household tax bill on portfolio assets.
Through every corporation's Capital Dividend Account (CDA), options exist to flow money to the shareholder on a tax free basis.
This plan allows for increased tax savings beyond those of RRSPs. In addition, past service contributions may also exist for the potential of increased pre-tax investing.
Projecting future tax consequences and probate costs with the use of computer software can help pinpoint potential tax pitfalls while creating planning opportunities.
Not to be confused with asset allocation, asset location involves the location of various asset classes amongst different types of accounts, entities or individuals in an effort to reduce current and future taxes.
These calculations establish whether one can reach or sustain his/her lifestyle income requirements while establishing which assets should be depleted first.
When contemplating various tax and investment options, few calculate the potential future outcome. Through in depth benefit cost analyses, one can create a priority schedule prior to the implementation of various options.
Above and beyond significant tax incentives creating your own foundation gives you the ability to manage and control the flow of funds to your preferred charity(s).
If you'd like more info on the above options, please contact us at 604-743-4480 or firstname.lastname@example.org.