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Financial Planning

Every stage of life requires financial preparation and adjustment. We take an integrated approach that includes a review of your current financial position; assets, liabilities, insurance, cash flow and taxes. We help you plan for the future by linking your financial vision to specific & actionable recommendations that will allow you to get there.

Retirement Planning

Retirement planning is crucial to ensure a comfortable future for you and your family.

  • Do you know what your income will be and where it will come from after you retire?
  • Do you know if your income will be sufficient to support your lifestyle?
  • Do you know when you can afford to retire?

We create plans that assist you in answering these questions. We create customized retirement plans that help you accumulate savings. We work with you to establish a diversified investment portfolio, customized to meet your needs.

When you reach retirement, we will work with you to structure a diversified investment portfolio that meets your cash flow requirements in the most tax efficient way possible.

Insurance Planning

Having the proper insurance in place is vital to ensure the safeguarding of your income and assets. While you cannot control what might happen, you can financially prepare for it.

Beginning with a needs analysis, we determine how much insurance you need to protect you and your loved ones from the financial impact of illness, injury, disability or death.

Over time, our insurance needs change. We guide you in making informed insurance decisions every step of the way.

Education Planning

Ensuring your child has access to a good education will give them the best possible start in life. Studies show that Canadians with post-secondary education tend to earn more than those without. As education costs continue to climb the government encourages saving for education early by providing the Canada Education Savings Grant (CESG).

By establishing a Registered Education Savings Plan (RESP) you and your family will benefit not only from the CESG but the benefits of tax deferral as well.

Tax Minimization

We understand taxes. When we structure an investment portfolio, review your insurance options, or analyze your cash flow, we consider tax planning as part of our recommendations.

Active tax planning helps you retain more of your money not only in all stages of your life but also when assets are passed on to your beneficiaries.

Investment Management

We spend time getting to know our clients and understanding what’s important to them before we design and recommend an investment portfolio to suit.

Whether you wish to invest in Guaranteed Investment Certificates, the stock market, or any other of the many different investment products on the market today, what you choose to invest in should be determined after carefully considering your goals, needs, and objectives.

We do not chase returns by following the latest fads or trends, but instead focus on investing fundamentals. The advisors at Monteith Financial Group are fully licensed to deal in securities and insurance related investments.

Your portfolio may consist of any of the following investment options: savings accounts; GICs; mutual funds; stocks; bonds; exchange-traded-funds; annuities; and insurance related segregated fund investments that feature guarantees.

Estate Planning

A properly planned will is vital to ensuring your estate planning wishes are carried out as desired.

Our estate planning strategies can simplify the process of transferring your wealth to your heirs in both a cost effective and tax efficient manner.

Call 905-572-PLAN (7526)