Your Access to

Completely Independent Wealth
Management

Set Your Goals. Make Them Happen.

Free Complete Financial Planning Workshop

Your Host
Doug Ransom

B. Eng., CFP®, CIM®
Wealth Planner
• Over 15 Years of Financial Planning Experience
• Certified Financial Planner (CFP®) and Chartered Investment Manager (CIM)® Designations
December 8, 2023 | 12:00PM & 5:00PM | 45 Mins.
What You'll Learn:
  • The BIG picture - how we integrate financial, tax, and will and estate planning.  
  • How and why this approach can save you time and money.
  • Will and Estate Planning - what you haven't considered.
Register Now - Attend Online
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
We'll send you an email with all the details you'll need to attend.

Complete Financial Planning

We provide our clients with personalized financial solutions and advice to help them at every stage of their lives. Our financial services and solutions cover everything from financial planning and portfolio management to tax preparation, insurance solutions, debt management, and will preparation.

Investment Management

Make your money work for you. With premier portfolio management your financial planner will work with you to maximize the investment potential of your RRSPs, TFSAs, unregistered accounts and any other accounts.

Our Portfolio Management Process focuses on three key components to create wealth over time for our clients.

1. A focus on solid large-cap public companies.

2. Dynamic asset allocation using an assortment of asset classes and sectors to improve potential returns while minimizing risk.

3. Pension Style Asset Classes designed to provide strategic diversification and higher risk-adjusted returns

Financial Planning

  • Define and quantify your goals as they relate to you and your family
  • Create an estate plan to provide for your loved ones
  • Determine your proper investment strategy
  • Protect your loved ones in various scenarios and situations
  • Optimize any company savings, pension and other group benefits

Comprehensive Financial Planning is about getting organized; being in control of your money rather than letting your money control you.

Tax Preparation & Planning

Successful financial planning involves implementing strategies that help you reach your financial goals, be they short-term or long-term. Over the long haul, taxes are quite often one of your single biggest ongoing expenses, and so prudent tax planning is a necessary and crucial step in ensuring that you’re on track to meeting your financial planning goals and objectives. No tax situation is exactly the same, and so your comprehensive tax plan should be based on your personal priorities and goals.

Will & Estate Planning

For many individuals, will and estate planning is a difficult subject to discuss and even more so to plan for as it brings up topics of their own mortality. However it is indeed something you need to talk about with your family and loved ones as you can’t obviously do so after you’re gone. Your Financial Planner can work with you  to structure your will and estate to minimize probate fees and taxes, ensure that your estate is distributed in an efficient manner, and provide for your loved ones after you're gone.

Innovative Insurance Solutions

The right insurance solution offers peace of mind, helping you take steps to avoid perils that could result in a financial downturn. That’s why prudent insurance strategies can play a key role in any comprehensive wealth management plan. Insurance solutions have very unique and specific benefits for both individuals and businesses. We are always ready to identify your options and help you select the right insurance solution for your particular situation.

Tax Driven Corporate Opportunities

As a business owner you have a tremendous amount of flexibility with your investments and financial strategies. Having a planner to guide you through choices like: 

  • Where to invest - your operating company, holding company, or personal accounts, such as an RRSP, to optimize tax efficiency and returns.
  • Appropriate and tax efficient insurance coverages (life, critical illness, disability, etc..).
  • Estate and Will planning to achieve your goals tax efficiently.

Generally, business owners and incorporated professionals have many different considerations when selecting financial products, and it can be overwhelming. By having a planner familiar with corporate financial strategies it can shift much of the burden away from you.

Protecting your Human Capital  

Could your business afford to loose you for six months? Six years? If you have a medical event your financial safety could be compromised!

  • Solutions to protect yourself and your family in the event of a critical illness or disability, or even premature death, may be appropriate for you.

There may be opportunities to develop solutions like this tax efficiently by using your corporation.

Integrating your PREC and Investments

As a a realtor you have some unique fiancial stragegies availabe to you.

  • Are you actually benefiting from you PREC? A PREC is not a one-size-fits-all solution. Your planner can help with this determination.

Comprehensive Financial Planning is about getting organized; being in control of your money rather than letting your money control you.

Reduce Overhead by Saving Time  

Some Realtors are very organized with their bookkeeping, others would rather eat a bowl of rusty nails then add up their receipts on a regular basis. This comes at a cost during tax time.

  • Your planner will work to get your organized with a bookkeeping and accounting solution that is cost effective, and allows you to spend time running your next deal instead.

Protecting your Human Capital  

You are your business - could you afford to shut down for six months? Six years? If you have a medical event your financial safety could be compromised!

  • Solutions to protect yourself and your family in the event of a critical illness or disability, or even premature death, may be appropriate for you.

There may be opportunities to develop solutions like this tax efficiently by using your corporation.

Tax Driven Corporate Opportunities

As a business owner you have a tremendous amount of flexibility with your investments and financial strategies. Having a planner to guide you through choices like: 

  • Where to invest - your operating company, holding company, or personal accounts, such as an RRSP, to optimize tax efficiency and returns
  • Appropriate and tax efficient insurance coverages (life, critical illness, disability, etc..) 
  • Estate and Will planning to achieve your goals tax efficiently

Generally, business owners and incorporated professionals have many different considerations when selecting financial products and it can be overwhelming. By having a planner familiar with corporate financial strategies it can shift much of the burden away from you.

Getting Started
is easy

Introductions & Analysis

Spending some time with your planner is crucial to the development of any financial strategy. Introduction meetings can be in-person or virtual and usually take about an hour.

Account Opening or Transfer

Have existing investment accounts? No problem. We'll even cover the transfer out fees charged by your old broker. Learn more about available account types
here.

Monitoring & Plan Reviews

Regular reporting and monitoring from your planner, along with annual tax preparation, work to keep you on track and adjust the plan as your individual situation evolves.
Book Your Introduction Online

Meet Your Planners

Doug Ransom icwealth advisor island choice wealth planners

Doug Ransom

B.Eng, CFP®, CIM®

Wealth Planner

In 1985, Doug moved to Victoria from the community of Kimberley, B.C. to pursue an electrical engineering degree at the University of Victoria. Prior to entering the financial services industry in 2006, Doug enjoyed a successful career in the technology sector with Power Measurement, a local technology firm.

The experience and years of successfully managing his own investments lead him to develop a passion for helping others with their investments, financial and estate planning. Doug’s profession designations include the Certified Financial Planner (CFP®) and Chartered Investment Manager (CIM)®.  

Doug enjoys crafting investment and financial solutions that take into account clients’ personal situation, goals, and risk preferences and ever changing conditions in the financial markets. Doug has previously served on the boards of the UVIC Alumni Association, the Keating Out of School Care Society, and the James Bay Child Care Society, and volunteered with  the 10th Tsartlip Scout Group. In 2013 he was recognized by the UVIC Alumni Association as an alumni who made a difference.

CFP Certified Financial Planner designationcim chartered investment manager designationAdvanced Investment Advice Certificate
Lionel Johnson icwealth advisor Island Choice Wealth Planners

Lionel Johnson

Wealth Planner

Lionel has worked in the finance industry for nearly 40 years with his career taking off in business administration in the late 1980’s. During the early years he worked in the mortgage field providing over 500 mortgages for his clients, many first-time home buyers. It was then he realized he had a passion for working with people and helping them secure a solid foundation for their future.

In 2000 Lionel began working with BNS, Scotia McLeod as an investment advisor. This was a great career move allowing him to further aid his clients in securing their future investments.

Lionel and his wife enjoy life on salt spring island practicing sustainability with a small hobby farm including a fruit orchard and nut trees. They have chickens, honeybees and grow as much of their own food as possible.

Lionel also gives back to the community volunteering his time and knowledge as Executive Treasurer with the Salt Spring Island Conservancy. This awesome organization protects and enhances the natural values of the island and its surrounding waters by acquiring land or covenants, and by educating landholders & the public.

Realtors!

Is your Human Capital Protected?

A Strategy that protects yourself, and your family, in the event of a critical illness, disability, or even premature death can provide an enhanced level of protection.

Contact a Planner • Victoria (250)412-3499 or Email • Salt Spring Island (250)537-9499 or Email

Learn How to incorporate
real estate in
your investment portfolio

Learn about the capital appreciation, income, and reduced risks
of investing in Real Estate Investment Trusts

Learn More
Investing
Investing Icon

A proven wealth management philosophy is one that takes emotion out of the equation and relies on a disciplined, long-term approach. Your objectives, risk tolerance, return expectations and time horizon are key factors in helping your Investment Advisor design a plan that can meet your retirement and other goals.

Saving & Borrowing
Savings and Borrowing icon

Your Investment Advisor will help you set and achieve saving goals aligned with your needs and objectives, and develop a borrowing and debt management strategy that optimizes the benefits of leverage for your unique circumstances.

Education Planning
Education Planning Icon

Whether you’re looking to fund a child’s education or returning to school to upgrade your credentials, your Investment Advisor can help you understand your options and maximize the value of a Registered Education Savings Plan (RESP).

Tax Planning
Tax Planning Icon

Your Investment Advisor will take a straightforward approach to reducing your taxes by leveraging sound investment strategies.

Risk Management
Risk Management Icon

Your Investment Advisor takes an integrated approach when assessing your needs to develop a risk management plan that addresses all aspects of your life – and all scenarios that could affect your financial well-being.

Recent Articles

Five Ways You Can Remove Funds from Your Corporation Tax Efficiently

March 31, 2021

In all Canadian provinces, corporations enjoy a relatively low tax rate. In fact, most business owners and incorporated professionals are better off leaving their retained earnings in a ho...

Business Owner Tax Strategies BC British Columbia
read Article

Using your Corporation to Fund your Retirement

March 24, 2021

The best place to save for retirement and grow your wealth may be your corporation, not an RRSP or IPP. Examples below are based on 2021 personal and corporate tax rates for BC taxpayers. Does your business earn $500,000 or less? In 2021, the tax rate on corporate income below the small business deduction threshold of...

Sample Corporate Structure
read Article

Subscribe to our articles

Subscribe to receive our published articles by Email

*Opt out at any time by following the instructions included in every email

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

About your Financial Planners

Doug Ransom icwealth advisor island choice wealth planners

Doug Ransom

B.Eng, CFP®, CIM®

Wealth Planner
Optimize Wealth Management
Island Choice Wealth Planners

Insurance Advisor*

Island Choice Insurance Brokers
linkedin IconView LinkedIn Profile
Click on a badge to verify credentials.
Advanced Investment Advice Certificatecim chartered investment manager designationCFP Certified Financial Planner designationCall Doug

Doug developed an interest in investing from an early age.  As a teenager, Doug had two careers in mind. Electrical Engineer and Stockbroker.

In 1985, Doug moved to Victoria from the community of Kimberley, B.C. to pursue an electrical engineering degree at the University of Victoria. Prior to entering the financial services industry in 2006, Doug enjoyed a successful career in the technology sector with Power Measurement, a local technology firm.

The experience and years of successfully managing his own investments lead him to develop a passion for helping others with their investments, financial and estate planning. Doug’s profession designations include the Certified Financial Planner (CFP®) and Chartered Investment Manager (CIM)®.  

Doug enjoys crafting investment and financial solutions that take into account clients’ personal situation, goals, and risk preferences and ever changing conditions in the financial markets. Doug has previously served on the boards of the UVIC Alumni Association, the Keating Out of School Care Society, and the James Bay Child Care Society, and volunteered with  the 10th Tsartlip Scout Group. In 2013 he was recognized by the UVIC Alumni Association as an alumni who made a difference.

Doug is married with one adult child.  Doug changes his hobbies from time to time, his current interests include motorcycle riding & tinkering, and keeping fit at the gym.

Island Choice Wealth Planners

Lionel Johnson icwealth advisor Island Choice Wealth Planners

Lionel Johnson

Wealth Planner
Optimize Wealth Management
Island Choice Wealth Planners
Linkedin IconView LinkedIn ProfileCall Lionel

Lionel has worked in the finance industry for nearly 40 years with his career taking off in business administration in the late 1980’s. During the early years he worked in the mortgage field providing over 500 mortgages for his clients, many first-time home buyers. It was then he realized he had a passion for working with people and helping them secure a solid foundation for their future.

In 2000 Lionel began working with BNS, Scotia McLeod as an investment advisor. This was a great career move allowing him to further aid his clients in securing their future investments.

Lionel and his wife enjoy life on salt spring island practicing sustainability with a small hobby farm including a fruit orchard and nut trees. They have chickens, honeybees and grow as much of their own food as possible.

Lionel also gives back to the community volunteering his time and knowledge as Executive Treasurer with the Salt Spring Island Conservancy. This awesome organization protects and enhances the natural values of the island and its surrounding waters by acquiring land or covenants, and by educating landholders & the public.

Your next steps