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Learn about our approach to Financial Planning

Disclaimer:

Mutual funds products are offered through Investia Financial Services Inc.

**Segregated funds products are offered through Investia Financial Services Inc. and/or multiple carriers. Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.

*** Insurance products provided through multiple Managing General Agencies

It’s not about what you make; it’s about what you keep….

 

One of the most overlooked aspects of investing is the affect of taxes on real returns. We work extensively with incorporated clients to educate them on ways to minimize taxes on their investment income. The impact that taxes have on investment returns and retained earnings are crucial. At Millstone Financial, focusing on after-tax returns is the cornerstone of our investment philosophy. We are of the opinion that if you can save taxes on your investment income you will have more to invest. It’s not a novel or groundbreaking concept, but our competitors seem to focus only on pre-tax returns.  There are several strategies to employ to this end, but understanding our clients is crucial in determining which of these strategies will work best.

Knowing how to invest in a tax efficient manner is only the first step to maximising your wealth. Recognizing how to best extricate retained earnings from your corporation, so that you can actually utilize it, is an essential decision that can have far reaching effects on your wealth in the short term and long term. 

The final, and possibly most important step, is to make sure you have protected your wealth. A financial plan is worthless if it has not been protected. We ensure our clients have sufficient Risk Management strategies in place to support them and their family, should they not be able to do so themselves.