Services
Financial Fundamentals™
This program is designed for individuals and families who are in need of basic financial planning and guidance. It is intended to help the client construct a fundamental blueprint for a solid financial plan. An emphasis is placed on organizing the client’s financial affairs, restructuring debt and maximizing opportunities for creating wealth. The core of the program focuses on:
● Cash Flow Planning
● Debt Management
● Emergency Planning
● Risk/Insurance Planning
● Simplified Investment Plan
● Free Personal Tax Filing
This program is most appropriate for motivated individuals or households who have good and consistent cash flow, and less than $50,000 of investable assets. It is also suitable for clients who just need one- off advice on specific issues. Generally we would always advise a full financial planning review. However, for clients looking for a transactional service, SA Capital will continue to deal with the administration of your file only – there will be no ongoing / proactive service. Should you contact us to request any further advice we will do our best to assist you. However, a fee may be payable for this additional advice. Any applicable fee would be agreed in advance.
Growing Your Wealth™
This program is designed for motivated clients who have some financial knowledge and already have some investments (e.g. RRSP, TFSA, RESP). However, they do not currently have, and therefore require, a structured plan that fits all these pieces together. The goal at this stage is to guide the client through the process of wealth accumulation in a tax-efficient manner. A strong focus is placed on reducing the fees you pay on any of your current investments while providing tactical solutions that provide down-side protection for your investments when the markets become unpredictable. This program also includes a comprehensive plan that will take into account the following:
● Cash Flow Planning
● Comprehensive Investment Planning
● Retirement Planning
● Estate Planning
● Education Planning
● Risk/Insurance Planning
● Taxation Planning
● Free Personal Tax Filing
This service is usually taken up by individuals or households with $50,000 – $250,000 in investable assets. This service option is designed as a pro-active fee based financial planning service. Annual financial planning meetings are offered to assess the ongoing suitability of our advice and identify any action that may be required. Other features also included in this proposition are:
● Full access to your adviser by telephone, email etc. at no additional cost
● Periodic Lifetime Cash flow Financial Planning Reports to help quantify future goals and objectives.
● A minimum of one annual, face to face review meeting with your adviser. Additional face to face meetings may be available at your adviser’s discretion
● Access to Portfolio management by dedicated Asset Management Firms.
● Access to annual Tax Planning services (personal and corporate) with a certified accountant.
Protecting Your Wealth™
This program is designed to protect the client’s accumulated wealth and/or to properly manage a windfall. Although a reasonable rate of growth is expected, the emphasis is placed on capital preservation in the most tax-efficient manner possible. The use of trusts and other wealth protection strategies are employed to ensure that the client’s wealth is transferred to dependents or beneficiaries in the most profitable way possible. The key planning tools for this program are as follows:
● Cash Flow Planning
● Investment Planning
● Retirement Planning
● Estate Planning
● Education Planning
● Risk/Insurance Planning
● Tax Planning
● Succession Planning
● Charitable Giving
● Free Personal & Corporate Tax Filing
This service option is also designed as a pro-active fee based financial planning service and is suitable for individuals or households with over $250,000 in investable assets. Annual financial planning meetings are offered to assess the ongoing suitability of our advice and identify any action that may be required. Other features also included in this proposition are:
● Full access to your adviser by telephone, email etc. at no additional cost
● Periodic Lifetime Cash flow Financial Planning Reports to help quantify future goals and objectives.
● A minimum of one annual, face to face review meeting with your adviser. Additional face to face meetings may be available at your adviser’s discretion
● Access to Portfolio management by dedicated Asset Management Firms.
● Access to annual Tax Planning services (personal and corporate) with a certified accountant.