Investment
Management
& Estate Planning
Addresses: |
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Degree of risk in your portfolio.
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Your time horizon.
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Your investment asset mix.
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Your Investment Policy Statement
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Your rate of return.
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Sufficiency of invested assets for
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retirement
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- Critique of current
invest-
ment situation and analysis
of whether it will be suffi-
cient to sustain retirement objectives.
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- Recommendation of a
more appropriate asset
mix to wither reduce port-
folio risk or increase rate
of return.
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- Development of an
Investment Policy
Statement.
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- Review of financial
situation.
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- Implementation of the
Investment Policy
Statement (IPS).
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- Search, Evaluation
and
Selection of Investment
Managers/Funds.
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- Entry into the
Investors
Choice: Open Access -
no load mutual funds
program.
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- Detailed
retirement,
planning including
"what if" scenarios
examining the variables
of initial investment at
retirement, savings rate,
retirement age, rate of
return, lifestyle
expenditures etc.
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- Ongoing monitoring of the
portfolio against the IPS;
quarterly reporting on
performance & monitoring
of the managers/funds
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- Review of asset mix;
identification of tax stra-
tegies to minimize taxes
payable on investment
income.
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- Identification of any
apparent deficiency or
shortfall in retirement
funding retirement.
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- Annual review of
financial plan.
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Tax Opportunities
and Exposures
Addresses: |
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Tax planning opportunities.
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Tax exposure areas.
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Identification of more complex
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structures that could yield
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significant long term benefit.
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- Identification of potential
basic tax planning
opportunities such as tax
minimization and deferral,
income splitting, effective
use of principal residence
exemption, & debt planning
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- Analysis of these specific
areas of tax exposure,
along with recommen-
dations to mitigate
exposure.
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- Identification of more
complex areas of
potential tax exposure
that may warrant further
planning and analysis.
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- Identification and analysis
of basic tax planning
opportunities of the
Bronze plan.
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- Analysis of more complex
areas of tax exposure
such as U.S. taxes
(estate, owing U.S. real
estate, residency rules),
use of trusts, and offshore
and non-residency
planning.
- Recommended plan of
action to mitigate exposure
on more complex tax
issues.
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- Ongoing monitoring o
the portfolio against the
IPS; quarterly reporting
on performance and
monitoring of the
managers/funds.
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- Review of asset mix;
identification of strategies
to minimize taxes payable
on investment income.
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- Identification of any
apparent deficiency
or shortfall in funding retirement. Annual
review of financial
plan.
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Legal
Issues
Addresses: |
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Will
& power of attorney
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preparation and other
legal
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issues.
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- Consultation about wills
and powers of attorney
and preparation of your
choice of a normal, formal
legal individual will or
integrated wills for a
couple or continuing
powers of attorney.
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- Consultation about wills
and powers of attorney
and preparation of a
normal, formal legal
individual will or integrated
wills for a couple and
preparation of continuing
powers of attorney for
property and personal
care.
- Consultation on more
complex testamentary
clauses as life interests,
and continuing trusts.
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- All the features of the
Summit Silver
- Up to three hours of
continuing telephone
consultations & meetings
for legal advice in normal
personal, business and
family matters.
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| Fees
are based on time spent calculated at our hourly
professional rates. |
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