Client Tools

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Financial Planning

  • Cash Flow
    Get a better idea of where your money goes by creating a personal cash flow statement.
  • Net Worth
    Calculate what you own and what you owe – an important step in planning your financial future.
  • Your Investor Profile
    Understanding yourself as an investor is important when creating an effective investment portfolio.

Education Planning

Retirement Planning

  • Inflation & Retirement Income
    Estimate how much more income you will need at retirement to maintain the standard of living that you have today.
  • Will the Money Last?
    Estimate how long your retirement savings will last if you make regular, annual income withdrawals and factor in inflation.
  • RRIF Payment
    Calculate your RRIF payment and see how long the funds will last.
  • TFSA vs RRSP
    Find out how your marginal tax rate, and whether you invest or spend your RRSP tax refund, affects the growth of your TFSA or RRSP.

Investing & Taxes

  • Savings Growth
    Estimate the future value of your savings by changing the investment amounts, rates of return and years of growth.
  • Cost of Waiting to Invest
    See how much more you will have in your retirement fund if you start investing now.
  • Real Rate of Return
    This tool determines the real rate of return on a taxable investment after taking taxes and inflation into account, and illustrates what the investment will be worth, in after tax dollars.
  • RRSP Tax Savings
    Estimate the tax savings on your RRSP contribution. You can enter three different amounts to compare the savings.
  • TFSA vs Taxable Investment
    Discover the tax-free growth advantage of investing in a TFSA instead of a taxable investment.
  • Income Tax
    Estimate the taxes you owe based on your taxable income and the province you live in.
  • 2015 Personal Income Tax Organizer
    Your Personal tax organizer includes a personal income tax checklist and tracking schedules. It is designed to make it easier to compile information for your tax preparer. And you’ll be sure to have everything you need to take advantage of available tax deductions and credits.
  • 2016 Personal Tax Calendar
    Important dates and deadlines for personal tax filing and planning.

Insurance Planning

  • Protect & Enhance
    We have strategic alliances with major insurance companies across the country, including the four largest insurers in Canada – Manulife, Sun Life, Canada Life and Industrial Alliance. Our insurance-licensed advisors can offer you the best choice of insurance products and services to meet your personal and business wealth management needs and goals.