Welcome to Breadth Consulting Inc.
Founded in Windsor, Ontario, Breadth Consulting offers personable, boutique-style service, coupled with specialized knowledge and diverse experience, to deliver industry-leading solutions. To better serve our clients, and to expand our impact across the province, we have opened a second Breadth office in London, Ontario.
Our Services.
Tax-Efficient 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.
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.
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.
Retirement Planning
It is never too early to start planning for your retirement — our team will work with you to create a plan that allows you to enjoy your wealth during retirement.
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.
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.
Breadth Consulting is pleased to announce our merge with Peter Richards Advisory Group,
a leading provider of advanced wealth planning for business owners and private practice professionals in London, Ontario, for over 15 years.
Windsor x London
Breadth Consulting Welcomes Peter Richards
Peter is looking forward to bringing his expertise and methodology to the Breadth platform and team. Peter Richards comes from a long history of entrepreneurship in London, Ontario, and understands the demands and planning that it takes to grow a business while carefully growing and protecting capital.
Peter uses a thoughtful and advanced planning process to gain a true understanding of current capital, risk, and opportunities.
The Benefits Centre
Benefit plans tailored to meet your business’ unique needs.
What Clients Are Saying…
“With all of the uncertainty in society the past couple of years, Gerald’s knowledge and calmness has given us great comfort in knowing that our business with Breadth is well taken care of and stress free. You are greatly appreciated.”
— Corey & Sara Prince
“I have total confidence in my financial advisor, Shirley Jacuzzi. She is always available to answer and explain any questions that arise in terms I understand. As a fairly new client with Breadth Consulting, I am very satisfied.”
— Mary Ann McDonald
“Ravi Syal has been my Financial Advisor for over 30 years. He is up to date with financial markets and their trends. He is very responsive to any of my queries. In terms of Ravi’s ethics, I could not have asked for a better Financial consultant.”
— Yash Aneja
Maybe you want to launch a business. Maybe you want to save for your children’s education. Maybe you want to plan for retirement. Whatever it is, we’re here to help.
Enhance.
Protect.
Enjoy Your Wealth.
Life Insurance
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.
Mutual Funds
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.
Critical Illness
In the event of a health emergency, critical Illness insurance can allow you and your family to focus on your recovery, without having to worry about finances.
Segregated Funds
As an investment, segregated funds can help to grow your savings. As an insurance product, segregated funds can also help to protect your savings, your estate and your business.
Disability Insurance
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 until you are able to work.
Pensions
Learn more from your trusted advisor about the various benefits of contributing to your company pension plan, including lower fees, tax deductions, and larger savings.
Annuities
Annuities can help you to turn a portion of your savings into regular income, and can be adapted to meet your specific needs and your comfort with different levels of risk.
Personal Benefit Plans
If your workplace doesn’t offer group benefits, a personal benefit plan can help to lower your risk of being burdened by expenses for medical care or medical bills.
Our Methodology.
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During the discovery phase, you will meet with your financial advisor and begin defining your financial objectives and goals. Your financial goals and objectives will directly inform the creation of your financial plan, and should be quantifiable, measurable, and most importantly, achievable.
During the discovery phase, we will also work with you to help establish a clear timeline, and to gather all of your financial and personal information. This includes income, expenditure, assets, liabilities, risk attitude, tolerance, and capacity.
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Once we have gathered all of the information needed regarding your current financial state, as well as desired future state, we will begin to conduct an analysis of this data.
First, your advisor will assess and organize your financial information, and will review it for accuracy, consistency, and completeness.
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After your financial information has been gathered and analyzed, and your financial advisor is able to develop a more holistic understanding of your financial circumstances, we will work to pin-point areas of strength, weakness, and opportunity.
By assessing your current financial circumstances in relation to your desired future-state and goals, our advisors are able provide a comprehensive diagnosis, coupled with data-driven recommendations.
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Once the analysis and diagnosis stages are complete, your financial advisor will develop a holistic financial plan that includes recommendations. The goals and challenges discussed during the discovery phase will be addressed and a recommendation for each will be identified.
Next, you will meet with your advisor - either in person or virtually - and they will present you with these recommendations, wherein they will explain what changes can be implemented to improve your financial position and to help you attain your goals.
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Once your advisor has outlined a recommended course of action, they will work with you to determine how you will carry out the recommendations. Your advisor will develop a plan for implementation and ensure that it is carried out in accordance with the agreed-upon schedule. This may involve a new pension or investment strategy, additional life or serious illness insurance, income and expenditure adjustments, among other things.
We recognize that financial planning is a dynamic, on-going process that requires continuous monitoring. We will proactively review your portfolio to ensure that your goals are being met. As well, we will meet with you annually to take account of any changes in income, asset values, business or family circumstances - as well as your evolving financial goals.
