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Specializing in the unique financial needs

of individuals, families and business owners

See how we can help you


Rated "The Best Financial Services in Thunder Bay" by

We take great pride in helping our clients clarify what is important to them and work as a team to ensure they achieve their goals.

Click on this short video to see how Ray and Jennifer can help you with your financial needs.



Retirement
Planning

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A retirement income analysis is the easiest way for you to know with confidence, if your retirement income plan is sustainable.

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Investment
Portfolio Design

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We provide a focused investment approach based on your goals and objectives, designed to provide simplicity, ease of management and peace of mind.

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Business Protection
Strategies

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We can help you design strategies to protect your business value and build your personal and business net worth.

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Tax & Estate
Planning

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By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a legacy for your family or loved ones. An estate plan needs to align with your whole financial picture, including investments, insurance and tax strategies.

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The Benefits of Professional Financial Advice


Advice and Coaching makes a difference

Canadian research has shown that ongoing advice enhances long-term savings. The longer people have advice, the more their investments grow.

  • People with advice for 4-6 years have 1.7x the wealth of those without advice.
  • People with advice for 7-14 years have 2.9x the wealth of those without advice.
  • People with advice for 15 years or more have 3.9x the wealth of those without advice.

Your Financial Plan

A written financial plan provides accountability that makes achieving long-run financial goals more realistic than not having a plan. Holistic financial guidance over many years will help to prepare for life’s major events.

Graph illustrating statistics of advice

SOURCE: IFIC Advisor Insights  - Advice Creates Strong Value for Canadians | CIRANO – The Gamma Factor and the value of Financial Advice  - Summary of Findings



“By failing to prepare, you are preparing to fail”

Benjamin Franklin

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