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Disclaimer GP Wealth Management Corporation, a member of the Mutual Fund Dealers Association of Canada, is a Mutual Fund Dealer registered with the Provincial Securities Commissions. Your Roche Financial Group Representative is licensed to sell and service mutual fund products and certain other approved securities as permitted under GP Wealth Management Corporation's registration. GP Capital Insurance Agency Ltd, is a distributor of insurance products. Your Roche Financial Group Representative is licensed to sell and service insurance products and certain other approved insurance products as permitted under GP Capital Insurance Agency Ltd. |
FINANCIAL & TAX PLANNING
As brokers we shop the market for you and obtain the best investment managers and the best insurance and annuity and interest bearing accounts.
Financial Planning can begin at any stage of life, however, if you become a tax client of ours when you are young - say still in college or just out of college and beginning your life, we can begin to help you plan for life's events. We begin with the saving of a down payment for a home in a very tax effective way. Later we arrange the RRSP withdrawal on a tax deferred basis. We arrange the mortgage, pre-approved if you like, and we place your first insurance policy when you close the deal on the house. Afterwards in addition to preparing your income tax return every year we set up the RRSP plans necessary to provide for the repayment of the home buyers loan and design a portfolio suited to this long term investment that can ease the pain of repayment.
There are opportunities here for very effective strategies by using the right investment products. We stay with you as the children arrive with Life Insurance reviews and Registered Education Plans. Where greater savings are required for education, we show you other tax effective vehicles which can be used. We have high interest savings accounts to be used for short term savings like special vacations or weddings. As the children grow we arrange the withdrawal form the RESP and other tax deferred vehicles and we prepare the tax returns for the whole family to be sure that tax saving transfers are maximized. As the children leave home and the mortgage gets paid we redesign your RRSP portfolios to ensure that they will be tax effective and split income effectively on retirement.
At retirement we offer the solutions that
best suit you for conversion of the retirement savings into a stream of
income again planning for tax efficiencies and guarantees.
About now your parents may pass on and you inherit an estate. Ideally you
would have sent them to us for planning years ago but in any event we now
must deal with this new wealth and plan for passing on your own estate or
the spending of your new estate depending on your preference. Either way
planning is necessary to maximize guaranteed returns tax effectively. Lots
of strategies can be employed.
Belleville
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