What We Do
Holistic Wealth Management
We’ve created a comprehensive 8-step wealth process that covers all your investment needs
OUR 8-STEP WEALTH PROCESS
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Retirement Planning
Planning for your retirement isn’t a one-time exercise covered in a single meeting. It’s a lifelong process that will likely change, grow, and shift as your circumstances, interests, and goals evolve.
We start by defining your vision for what retirement means to you with a focus on the type of lifestyle you’d like to lead. From there, we create a custom plan to help you realize your dream and live your best life on your terms—whatever they may be.
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Asset Management
Non-financial assets are often overlooked in building a comprehensive wealth management strategy. We offer advice and assistance with both hard assets like art, collectibles, and real estate, as well as intangible considerations such as intellectual property, rights and royalties, and closely held business interests. From there, we can help you develop a comprehensive approach to best manage these assets in your overall financial view.
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Liability Management
The concept of “debt” has a bad connotation. While we would never advocate taking on debt imprudently, there are some situations in which borrowing money can be in the best interest of your financial goals.
We can provide expertise and advice to help you make informed decisions on how to best leverage both current and future liabilities.
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Portfolio Management
Often when thinking about wealth management, this is what typically comes to mind. A diversified and comprehensive portfolio of financial assets is the cornerstone of any wealth-building strategy. We review your comprehensive portfolio and provide advice and recommendations for how to best manage your financial assets including investments, stocks, TFSAs, RRSPs, and more.
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Tax Planning
With the exception of accountants, politicians, and us, most people are not fond of thinking about taxes, much less talking about them. But tax planning is a vital component of your overall financial picture. The quality of your tax planning strategy can have significant impacts on your bottom line, both positively if done well and negatively if not. Let us help you be better prepared.
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Risk Management
Much like taxes, risk is another topic of conversation many would rather not consider. Though we never want to live in fear of what could happen, we firmly believe in building a contingency plan in the event that something does happen. We can help you by conducting a thorough assessment that seeks to identify all of the major risks and other threats that can impact your family’s wealth. This includes assessing both current and future risks and helping you build a plan to address any and all possible outcomes.
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Estate Planning
Dealing with a death can be difficult enough without the added stress of wondering how to distribute assets and carry on the wishes of a loved one. Proper estate planning is crucial to ensure harmony is maintained and your wishes are carried out as you would like. We work with you to ensure your documentation is up to date and that your assets will be optimized so that your estate is preserved and your loved ones can benefit in the best possible way during a difficult time.
We also provide advice and can facilitate estate planning conversations for the loved ones in your life to ensure their estate planning is in order.
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Legacy Planning
You don’t have to endow a university library or have a new wing of a building named in your honour to carry on a legacy. Often, legacy planning is about ensuring your mark remains after your time is finished both in tangible and intangible ways. We like to approach the notion of legacy as leaving a gift. Let us help you determine how you will leave a lasting impression on the world in both financial and non-financial ways by shaping your version of a legacy.
Going Further
We take care of the details, so you don't have to
Did you know? We offer many value-add services included as part of working with CrossPoint.
- Net worth updates on a regular basis
- Monthly or annual savings plan review
- CRA account monitoring (RRSP & TFSA contribution room, T-slips, etc.)
- Tax review**
- Beneficiary audit
- Customized and personal financial plan creation
- Insurance analysis – current coverage evaluation, needs assessment, survey of costs, etc.
- Tax return preparation*
- Estate Plan and Tax Analysis
- Storage of a copy of your Will and Power of Attorney
* Tax return preparation provided outside of iA Private Wealth.
** iA Private Wealth does not provide any income tax preparation services and does not supervise or review any income tax returns.