Comprehensive Financial Planning

As your wealth grows, so should your level of financial planning. Our strong team of experts specialize in developing holistic, personalized financial solutions.


Through incorporating investing advice, portfolio management, saving, budgeting, and various forms of risk mitigation, holistic wealth management takes a comprehensive approach to financial planning. Holistic financial planning extends beyond traditional financial planning — our advisors will consider your assets, expenses, liabilities, lifestyle, as well as the fluctuations in the market, to grow and protect your savings.

Holistic wealth management takes a modern and strategic approach to financial planning to ensure that your financial plan adapts to your life goals and aspirations for the future. Our advisors take the time to learn and understand each client’s unique situation from every angle in order to create a custom wealth plan that integrates and coordinates all aspects of your life. Holistic financial planning and wealth management gives you the ability to grow, protect, enjoy, and distribute your wealth for years to come.

Our Services.

  • Tax-Effective Wealth Transfers

    Planning to leave your legacy to your heirs can be a complex and difficult process — our team of advisors can help to ensure that your wealth transfer is as smooth and tax-efficient as possible. A wealth transfer refers to the process of passing wealth from someone who has passed away over to their beneficiaries. A tax-effective wealth transfer can be done through a variety of strategies, including annuity contracts or life insurance policies, wills, trusts, and gifts of cash or tangible assets prior to death.

    The primary goals of wealth transfer strategies are to maximize the estate assets and to make the transfer as tax-efficient as possible. Effective wealth transfer planning can help to lessen the likelihood of family conflict, to preserve wealth, to reduce estate costs, and to reduce taxes.

  • Estate Planning

    It is never too early to start preparing your estate — our team of advisors can help you to maximize your estate’s value, while ensuring that your beneficiaries receive everything you have planned for them. An estate plan is a collection of legal documents that determines how an individuals assets — including houses, cars, stocks, life insurance, pensions, and debt — will be managed, preserved, and distributed after death. Estate planning considers the management of an individual’s properties and financial obligations, and includes the settlement of estate taxes.

    Creating a will, setting up trusts, naming an executor and beneficiaries, and setting up funeral arrangements are all aspects involved within estate planning. A comprehensive estate plan can help to provide financial security, to minimize taxes and probate fees, and to ensure that your loved ones will be taken care of when you are gone.

  • Succession Planning

    Our team of advisors can help your company to implement a succession plan to ensure that your business continues to run smoothly after a change in leadership. Succession planning is a business strategy that companies use to pass leadership roles down to one or more employees. Through succession planning, companies can ensure that their operations continue to run smoothly after employees retire and leave the company.

    Succession planning involves cross-training employees to help them develop skills, knowledge, and an understanding of the business. There are several advantages of succession planning, for both employers and employees, such as ensuring leadership and employees share the same company values and visions, as well as reinforcing career development opportunities.

  • Philanthropy

    At Breadth Consulting, we take great pride in our community. Just as we want our clients to enjoy their lives and their wealth, we also want our community partners to succeed. Our team can help you to maximize your charitable donations through helping you to discover the various tax benefits associated with making a charitable donation.

    Not only does making a charitable donation provide support for a cause that you are passionate about, but it can also provide various tax incentives. To encourage charitable donations, the Canadian government has implemented tax benefits to those who partake in charitable giving.

  • Retirement Planning

    Retirement planning is designed to help you make the most of your retirement — the Breadth team will work with you to determine your retirement income goals, as well as the actions and steps that you need to take to reach these goals. A retirement plan refers to the saving, investing, and distributing of money to sustain oneself during retirement. Retirement planning considers not only assets and income, but also future expenses, liabilities, and life expectancy to ensure that you are able to enjoy your wealth during retirement.

    Not only does retirement planning allow financial independence, but it also ensures that you are well-equipped to handle medical emergencies and expenses as they occur. It is never too early to start planning for your retirement — our team of advisors can help to create a customized retirement plan that allows you to enjoy a stress-free retirement.

  • Trust Services

    A trust makes sure that your assets are distributed according to your specific wishes in a confidential and tax-effective way — our team of advisors can help to set up a trust that is customized toward your specific needs and requirements. Through our trust services, we can help to provide for you and your family members, achieve certain tax advantages, donate to a charitable cause, and protect the future of your family members.

    Our trust services include investment management, diversification of accounts assets, periodic statements, as well as income collection and allocation. We can help you to establish a trust, choose an appropriate trustee, and support you throughout the process.

Tax-Efficient Investment Strategies

While tax rules and rates may change over time, the importance of keeping taxes in mind when making investment decisions does not — our advisors will help to create a customized plan, tailored toward tax-efficient accounts and investing.

While taxes shouldn’t drive all of your investment decisions, they are an important consideration when making investments. Taxes can reduce your investment returns each year, thereby potentially jeopardizing your long-term goals. An experienced financial advisor can help to diversify your accounts to ensure that you are able to minimize your overall taxes.

 

Holistic Wealth Management

Strategic investments and insurance policies that align with your immediate and long term goals.

  • Life insurance provides you, and your loved ones, with a financial safety net. Life insurance can allow you to provide financial security to your loved ones in the event of your passing, to ensure that they are taken care of now, and in the future.

    Prior to purchasing life insurance, it is important to understand how it works and how your beneficiaries can receive the proceeds of your policy. Beneficiaries may receive a life insurance payout through instalments, lump-sum payments, and retained asset accounts.

    Our team of financial advisors can help you to determine how much coverage you need, what you’ll pay for premiums, and whether a term or permanent policy makes more sense for you.

  • In the event of a health emergency, such as a heart attack or stroke, critical Illness insurance can allow you to focus on your recovery, without having to worry about finances. While many people assume they are protected against serious illness with a standard health insurance plan, critical illnesses typically incur greater-than-average medical costs.

    Critical insurance insurance can pay for costs that are not covered by traditional insurance. Critical illness insurance gives you the ability to cover daily costs, to protect your retirement savings, and to receive both medical help and support services including transportation expenses, child care, and so on.

  • If an accident or illness has prevented you from working, disability insurance can provide you with a tax-free monthly payment to replace your income. Disability insurance can help to replace your income, to cover your expenses, and to protect your savings.

    Many variables affect the cost of disability insurance, including the amount of income to be replaced, the length of time in which benefits are paid, the individual’s medical history; and the length of time policyholders must wait before beginning to collect those benefits.

  • A mutual fund is a type of investment that pools money from investors to purchase stocks, bonds and other assets in order to create a more diversified portfolio.

    The investments in a mutual fund are managed by a portfolio manager: they manage the fund on a daily basis, decaying when to buy and sell investments according to the objectives of the fund.

    Mutual funds give investors access to diversified, professionally managed portfolios at a low price.

  • Similar to mutual funds, segregated funds involve the pooling of investments. Unlike mutual funds, however, a segregated fund policy includes insurance guarantees that can protect a portion of or even all your original investment. Segregated funds must be held until maturity, and an investor can choose to invest in a segregated fund based on its investment objective and product terms. 

    As an investment, segregated funds can help to grow your savings: as an insurance product, segregated funds can also help to protect your savings, as well as your loved ones, your estate and your business.

  • A pension plan is an employee benefit that commits the employer to make regular contributions to a pool of money that is set aside in order to fund payments made to eligible employees after they retire.

    A pension plan requires contributions by the employer and may allow additional contributions by the employee. There are many benefits to contributing to your company pension plan, including lower fees, tax deductions, and larger savings.

  • A personal benefit plan can help to lower your risk of being burdened by expenses for medical care or medical bills. Personal benefit plans may benefit those who don’t have health benefits through their employer, who are losing their group coverage, or simply those who would like additional benefits not offered by their employer’s plan or their provinces health and drug coverage.

    While provincial health and drug plans provide coverage for many health expenses, there are several gaps that can have a significant impact on your finances. This may include medical equipment, physiotherapists, or emergency medical services provided in another country.

  • Annuities are designed to provide you with a steady stream of income once you retire and to alleviate the risk of outliving your assets. Annuities can help you to turn a portion of your savings into regular income, and can help you both before and after you retire.

    Annuities goes through several different phases and periods, including the accumulation and annuitization phase, and they can be immediate or deferred. An annuity can be adapted to meet your specific needs and fit your comfort with different levels of risk.

Planning for business owners and families.

We use a thoughtful and advanced planning process to understand and serve the important needs of our clients. By designing intelligent and tax efficient approaches that increase and protect the wealth of business owners, private practice professionals and farming families, we serve the needs of their families, companies and communities.

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The impact of our work.

Prepare for retirement.

We all want a worry-free retirement - and it's never too late or early to start planning with the help of an experienced financial planner. Among Canadians who are not yet retired, about 7 in 10 have already begun preparing financially. Contact us to learn more about how you can begin planning and saving for retirement.²

Improve your saving & investment habits.

While investments are important, so is developing a comprehensive financial plan that includes savings. Over 80% of investors say that their advisor helped them to increase their savings.³

Grow your wealth.

Canadians who work with an advisor are significantly more successful at building wealth and achieving their financial goals. Over a 15 year period, research demonstrates that Canadian investors who worked with an advisor have almost 4 times the assets of investors who didn’t work with an investor.¹