The BHB Group - ScotiaMcLeod Montreal - Financial Planning

By: RBC Dominion Securities  09-12-2011
Keywords: Retirement, investment portfolios

Understanding that investment portfolios typically represent only a portion of one’s overall wealth, the BHB Group consults with ScotiaMcLeod’s team of financial planning experts as well as an impressive network of Montreal’s most experienced accounting and law professionals, to offer retirement, estate, tax, and insurance planning as value-added services to its clients.

Retirement Planning

By discovering what clients want to do in retirement, we can estimate how much income they will require and when they will need it. If retirement plans include costly items, we can propose various retirement products that can be implemented today in order to help supplement future retirement years. When retirement is finally reached, we can help clients structure their RRIF portfolios to maximize the amount of income that is generated therein to cushion the inevitable loss of employment income.

Estate Planning

With the help both in-house and external estate planning specialists, the BHB Group can help devise a well-constructed estate plan that can help ensure a seamless intergenerational transfer of wealth and protect clients’ estate and their intended beneficiaries from costly legal red tape, competing interests, and unnecessary taxation.

Insurance Planning

Achieving true financial freedom requires effective planning, and that involves the careful consideration and prioritization of key actions and events. Key events can be controllable, such as buying an automobile, establishing an RRSP, or they can be uncontrollable and unpleasant such as a premature death, illness, disability, and the loss or destruction of property. The BHB Group is licensed to advise its clients on a wide range of insurance products and strategies that help them pass off the risks presented by life’s uncertainties to those that can afford to bear them.

Tax Planning

The BHB Group possesses good working knowledge of the federal tax regime and how it affects you and your overall wealth. We work closely with tax experts (including clients’ own tax accountants) to ensure that they receive the most trusted and professional advice when it comes to their individual tax situation. We can help clients identify and execute a number of tax minimization strategies that range from the more common variety (income splitting, charitable giving and gifting) to more sophisticated ones.

Keywords: investment portfolios, Retirement

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