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

Planning Services

Working with you to help develop an investment strategy and financial plan
that incorporates your risk tolerance, goals and personal values is the first step.

Retirement Planning

Our planning process will help you determine your spending needs in retirement. This will depend on your travel plans, your hobbies, age, and whether you will have debts to pay. We gather your current information:  investment holdings, real estate, pensions, or other sources of cash flow in retirement. We can then create financial projections which help you evaluate whether your current savings will provide you with enough retirement cash flow to meet your objectives;  if not, we will work with you to adjust your retirement expectations or current level of savings.  

More on retirement planning

Tax Planning

Effective tax planning can help you make the best use of all the tax-advantaged financial products available including:  

For business owners we can implement a number of strategies to extract wealth from your corporation at reduced tax rates.  

Trust & Estate Planning

A trust and estate plan can help arrange a tax-efficient and orderly transfer of assets to your beneficiaries when you pass.  While a will is an important part of a plan, there are a number of other considerations that can be addressed in a will and estate plan including:

Succession Planning

If you own a business, you may wish to transfer the business to your family members or sell it to someone outside of your family for a number of reasons. A succession plan can address how to do this tax-efficiently, while also addressing risks like the premature death or disability of an owner.

Your next steps