Asset Management

• Nearly 40% of high-income Canadians have not modeled their retirement income streams.
  Source: Investors Economics, 2023
• Poor estate planning can result in a loss of 25% to 40% of wealth in taxes or inheritance disputes.
  Source: STEP Canada, 2023
• High-quality financial support generates an annual added value of 3% to 4% on the overall return of the portfolio.
  Source: Vanguard, 2022

Comprehensive financial and retirement planning is the cornerstone of effective wealth management. By aligning your available resources with your life goals and aspirations, you can approach the future with confidence and peace of mind. In practice, this involves reviewing your income, expenses, savings, and retirement plans. Additional scenarios can also be incorporated, such as purchasing property, having children, early retirement, or planning for unexpected events like illness or separation. A holistic approach ensures you are prepared for any situation, providing clarity, control over life decisions, tax optimization, and the ability to retire comfortably and securely. What sets our guidance apart is our highly personalized approach. We work closely with your accountants, notaries, and personal tax advisors, integrating the necessary technological tools to deliver a tailored solution designed for you and with you.

• More than 60% of family businesses do not survive beyond the second generation due to a lack of a structured succession plan.
  Source: Family Business Institute
• 90% of wealthy families never discuss their estate plan with their heirs, which increases the risk of disagreement or transition failure.
  Source: RBC Wealth Management, 2022
• Well-established estate planning can reduce the tax payable upon death by more than 50%, depending on the complexity of the estate and the strategy put in place.
  Source: EY Canada

Estate planning is a core component of wealth management. It goes beyond drafting a will and focuses on implementing a strategy tailored to your objectives and tax considerations to ensure the transfer of your assets according to your wishes. Whether you are a business owner, investor, or parent, a well-structured estate plan allows you to build a lasting personal and entrepreneurial legacy. In practice, this involves reviewing your assets, preparing legal documents (wills, powers of attorney), establishing trusts, planning charitable gifts, implementing intergenerational tax strategies, preparing business succession, and coordinating all elements cohesively. The benefits are significant: reducing taxes at death, protecting vulnerable heirs, preserving family harmony, ensuring successful business succession, and reflecting your values through a thoughtful and structured legacy.

• On average, a Canadian entrepreneur can reduce their annual tax burden by 20% to 40% through optimal corporate structuring.
  Source: CPA Canada
• High-net-worth families who incorporate tax planning into their overall strategy can accumulate up to 30% more wealth over 25 years.
  Source: Deloitte Private Wealth, 2022
• Tax strategies that incorporate charitable donations can reduce taxes payable by up to 75% while increasing social impact.
  Source: Canadian Tax Foundation

Tax planning is a cornerstone of effective wealth management. By aligning personal finances, business structures, investments, and life goals, you can preserve and grow your wealth efficiently. Our approach includes analyzing income, optimizing compensation, leveraging tax-advantaged vehicles, planning intergenerational transfers, and preparing for key events like business sales or retirement. Working closely with your accountants and tax advisors, we integrate every decision into a comprehensive wealth strategy. The result is a proactive, creative, and disciplined plan designed to maximize after-tax outcomes while supporting your long-term objectives.

• A well-designed corporate structure can reduce liquidation taxes by more than 50%, particularly through capital gains exemptions and estate freezes.
  Source: EY Canada
• When a business is sold without prior planning, up to 40% of its value can be lost in taxes or poor transaction structuring.
  Source: PwC Canada
• Entrepreneurs with an integrated management strategy (business + wealth) accumulate on average 30% more net assets than those who plan in silos.
  Source: IG Wealth Management, 2023

Corporate strategies connect business growth with lasting wealth creation. Our approach helps entrepreneurs build businesses aligned with their vision, family, and ambitions, while guiding strategic decisions across tax, financial, succession, and operational areas. We design tailored corporate structures—including management and holding companies, trusts, and estate-freeze strategies—optimize compensation (dividends vs. salary), integrate personal and corporate tax planning, plan intergenerational wealth transfers, protect assets, and prepare for business exits. These measures enhance tax efficiency, growth, liquidity, strategic flexibility, and legacy preservation. By combining business insight with a wealth management perspective, we help you make the right decisions at the right time, transforming a profitable enterprise into a strong, multigenerational asset.

• 91% of high-net-worth clients believe that the quality of the relationship with their advisor is as important as financial performance.
  Source: Capgemini World Wealth Report, 2023
• High-net-worth families are primarily looking for partners who understand their family dynamics, not just their numbers.
  Source: Deloitte Private, 2022
• Major financial decisions are often made at times of vulnerability (death, divorce, sale of a business), when emotional and strategic support is crucial.
  Source: IG Wealth Management

In an increasingly automated and transactional world, human guidance makes all the difference. Here, you are not just another portfolio or file—you are a person with a story, ambitions, values, emotions, and evolving priorities. Our approach allows us to build a lasting relationship founded on trust, active listening, understanding, and collaboration. We are committed to supporting you through life’s pivotal moments—both the rewarding and the challenging—with clarity, empathy, and expertise. By creating a strong connection between you, your wealth, your life goals, and your financial decisions, every meeting, conversation, and piece of advice delivers far more than strategy—it provides peace of mind and the confidence of being truly supported.

• In the event of death without a will, legal devolution can result in settlement delays of 18 to 36 months, or even longer if there is a dispute.
  Source: Barreau du Québec
• 70% of inheritance disputes arise in the absence of specific clauses in the will or a clear devolution plan.
  Source: Canadian Institute of Estate Law
• Testamentary trusts protect vulnerable heirs, limit taxes, and preserve the unity of the estate.
  Source: EY Canada

Estate distribution and the legal tools that support it—such as wills, powers of attorney, trusts, and shareholder agreements—are central to any comprehensive wealth management strategy. Without precise legal planning, laws determine the fate of your assets, which can lead to conflicts, delays, unnecessary taxes, and significant impacts on family or business dynamics.

Our approach establishes a clear and structured plan for your estate, defining who receives what, how, when, and under what conditions. This work is carried out in close collaboration with legal professionals, including notaries and lawyers, and is fully integrated into your overall retirement, succession, and tax strategy.

This process includes reviewing and updating wills, powers of attorney, marital or partnership agreements, creating testamentary or inter vivos trusts, and implementing legal clauses to protect heirs, such as exclusion or anti-fragmentation provisions. Every element is coordinated with estate taxation and intergenerational planning to ensure clarity, efficiency, and the protection of your legacy.