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The typical business owner client who finds our services of most value is between the ages of 30-65 years old, employs less than 100 employees, and is committed to a planning process. Their business can be at a variety of stages such as just starting, growing or winding down. They are looking for a team of educated and trustworthy advisors to save them time and money. |
Common Concerns
- Business Continuation
- Buy/Sell Agreements
- Key Person Protection
- Succession Planning
(Death, Disability, Retirement)
- Business Debt Protection
- Income Protection
- Retirement Planning
- Getting money out of my business for retirement
- Investments outside of your business
- Employee Benefits
- Group Insurance
(Health, Dental, Life, Disability)
- Pension Plans and Group RRSP Programs
- Estate Planning
- Liquidation
- Family Protection (Income Replacement)
- Estate Equalization
- Tax Reduction
- Estate and Capital Gains Taxation
- Investments other than your business
Process
We use the Wealth Optimization Process to identify and prioritize your financial goals and concerns in both your professional and family life.
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FAQ
Click on the question to find the answer:
Q. I’m very busy; do we have to do everything at once?
No, our planning process is designed to save you time. We will identify the top priorities and address them first.
Q. I am thinking about selling, retiring or passing my business on to someone else; How can you help?
Winding down ones life’s work is an important and complex decision. Utilizing our exclusive planning process and tax and estate planning specialist, you will gain specialized advice that will give you the confidence and knowledge to make the right decision.
Q. Can you help me or my business save any taxes?
Comprehensive tax planning requires one to analyze both your personal and business tax situations. Our team along with your accountant will identify unique tax saving strategies. A special part of that team is our tax and estate planning specialist that can help analyze your tax situation at no additional cost to you.
Q. I already have an accountant and lawyer; do I have to change them to work with you?
No, our team consults with your professional advisors to ensure all aspects (tax, investment, insurance) of your financial plan are working together.
Q. What is the best type of life insurance to buy?
There are three types of life insurance (Term, Participating (Whole Life) and Universal Life) and all three have their proper place in a financial plan. Depending on what stage of life you are at, and after assessing your needs we can help you determine which type of product or combination will be the most cost effective and appropriate.
Q. Can you help me attract and retain my employees?
Yes, through employee benefit plans, pension plans, group RRSP's, and profit sharing, we can help you maximize the investment you are committing to your employees.
Q. Cost and Fees for RTR Advisory Group’s services and advice?
Every client situation is unique and requires different solutions and services. There are 3 different ways that we can be compensated: 1. Fee for service structure. 2. Compensated through the financial products that you purchase (commission). 3. A combination of both (fee for service/commission). We will discuss and disclose the best arrangement for you and your plan in our initial meeting.
Q. I currently have disability protection provided by my association/employer benefits plan. Am I sufficiently protected?
Disability and Critical Illness Insurance are two of the most misunderstood concepts of financial planning and are a very valuable part of your plan. Our planning process will help identify whether an individual, association, or employer benefits plan are best suited to your needs.
Contact Us
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