Financial services
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Personal Solutions
Financial Planning
As part of your overall wealth management strategy, we help you tie it all together with sound financial planning.
Tax Planning
Estate Planning
Put a plan in place that minimizes probate fees and ensures a smooth transfer of assets to your loved ones.
RRSP
A powerful tool in planning for retirement, your RRSP is designed to help you today and in your years after work.
RRIF
At 71 years of age, it’s time to convert your RRSP into a RRIF. Work with us to structure yours so that you lower your overall tax burden and enjoy retirement with more of what you earned in your pocket
RESP
We’ve all got high aspirations for our children and grandchildren. Ensure that they can set their sites high by contributing to an RESP for them as soon as you can.
TFSA
The TFSA is a flexible investment savings vehicle that allows you to earn investment income (including capital gains) tax-free. The account can be used to meet a variety of financial goals and should be used in conjunction with your RRSP.
Life Insurance
Life Insurance
In the event of the unthinkable, it’s vital that to make sure we take care of our financial obligations and provide for our family. Regardless of which type of life insurance is right for you, life insurance is the foundation of every wealth management strategy.
Disability Insurance
Accidents and illnesses are the realities of life and happen to anyone at any time, indiscriminate of age. Disability insurance provides you with an income to help you meet your financial obligations and maintain your lifestyle if you become disabled.
Critical Illness Insurance
A critical illness diagnosis brings emotional and financial stress to you and your family. This insurance can help you meet the financial burdens caused by a critical illness or condition. It offers a one-time, lump-sum benefit that you can use however you see fit and can ensure that you continue with your wealth management strategy regardless of what may occur.
Business Solutions
Succession Planning
We believe that having access to a collective of highly specialized individuals is paramount to coordinate and execute a successful succession plan.Next Chapter Succession Planning was established with this purpose. We distill the insights of the skilled professionals that make up Next Chapter into one voice and present a refined, actionable plan.
Key People
Key people, particularly in small business are not readily replaced, and the delays in recovering from their loss can be a blow for an organization. Key Person Insurance can help prevent this unexpected loss from harming your business financially.
Group Benefit Plans
Group Insurance is an arrangement to share the financial risk of health-related expenses among a group of people who pays into a fund or pool, under one contract. With a group benefits plan, when a member of the group becomes ill or needs services, he or she is financially compensated by the plan, according to the terms of the contract.
Group Retirement Plans
With a group RRSP, eligible employees can have RRSP contributions deducted from each pay period. Direct contribution from payroll automatically reduces income tax for the employees. The employer can match contributions into the RRSP on either a monthly or yearly basis.