Common Concerns
- Wealth Accumulation
- RRSP's
- Non-Registered Investments
- Real Estate
- Tax Sheltered investments
- Education planning
- Debt Management
- Risk Management
- Life Insurance
- Income Protection (Disability Insurance)
- Long-Term Care
- Critical Illness
- Tax Minimization
- Tax efficient investment portfolios
- Wealth Distribution
- Retirement Income Planning
- Estate Planning
Process
We use the Wealth Optimization Process to identify and prioritize your financial goals and concerns in both your professional and family life.
|
FAQ
Click on the question to find the answer:
Q. I have my investments at several institutions because I am afraid to have all my eggs in one basket, does this ensure that my portfolio is diversified?
No, diversifying by financial institution does not guarantee a diversified portfolio. We use a third-party portfolio analyzer that takes a snap shot of all your investment holdings at all institutions and gives you a complete report including over-lap, asset allocation, and geographical analysis to ensure proper diversification.
Q. Can you help me save any taxes?
We will take a look at your current, future and estate tax projections. 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. After maximizing RESPs what other options are there for educational savings?
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. 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. We do find that if we go through our planning process we are able to give you better overall advice.
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.
Contact Us
General Inquiries:
Contact an Advisor:
|
