Services

Holistic Wealth Management

Client, personal life -tax planning, insurance planning, financial retirement planning, estate planning, portfolio management.

Guiding Principles

Client, personal life -tax planning, insurance planning, financial retirement planning, estate planning, portfolio management.

Retirement Cash Flow Planning

We feel very strongly that even one extra year of unnecessary work is too much. Life is short and none of us knows what is around the corner. Let’s make your retirement happen so you can get on with enjoying the Okanagan lifestyle!

Pre-retirement

What savings amounts and what rate of return do you need to be able to confidently say: I will have $5000/month of after-tax income from my retirement in May of 2020 at the age of 61 through to age 74, at which time my monthly income will go down to $4000 a month for life.

Monthly Income Program

This investment program helps to maximize monthly income, minimize taxes and focus on capital preservation.

Cash Flow Optimization

Which accounts should you draw from first? The answer is different’. This is a very important piece of your financial puzzle.

Tax and Estate Efficiency

We ‘layer’ your income to ensure your taxes are as efficient as possible and help ensure your Old Age Security doesn’t get clawed back!

Portfolio Management

Determine your risk reward profile. Are you willing and able to take the risk necessary to meet your required rate of return?
Education and information, it’s good to know what you own and why you own them!
Portfolio x-ray shows you exactly what your hard earned savings are invested in.
Investment process for buying and selling is something we follow very diligently.

Model Portfolios

Safety

This portfolio is designed to keep your principal in tact and balance off the risk of your equity investments.

Monthly Income

This portfolio is designed to maximize your monthly income in retirement while being tax efficient.

Growth

This portfolio is designed to grow your assets, while at the same time not taking unnecessary risk.

Aggressive Growth

This portfolio is designed to maximize your rate of return. Remember, volatility is your friend!

Estate Planning

  • What is the most tax efficient way to pass along funds to the next generation?
  • Maximize the legacy you leave for your family.
  • How can charitable contributions minimize your taxes and provide a family legacy?
  • Which pools of funds (RIF, TFSA, etc.) do you spend and which do you leave behind?

Insurance

We have a dedicated Insurance advisor that will take you through a detailed needs analysis. This offers the client pure comfort in finding the best insurance solution for the clients needs; or as best suits you.

  • Hollis Insurance Agency is a broker, meaning we shop out the best deal for you across most of Canada’s major providers.
  • Needs Analysis, we don’t just sell you insurance, it has to be right for you, make sense and fit your budget.
  • Life insurance, both term and permanent (Universal and Whole).
  • Critical Illness*, covers getting sick rather than dying.
  • Protection of your households monthly income.
  • Travel*
  • Extended Health and Dental

Financial Planning Process

  1. Determine Client Goals, Needs & Priorities

  2. Gather Client Information

  3. Analyze Current Situation

  4. Present Written Financial Planning Priorities

  5. Implement the Plan

  6. Monitor the Plan

1

Determine Client Goals, Needs & Priorities

2

Gather Client Information

3

Analyze Current Situation

4

Present Written Financial Planning Priorities

5

Implement the Plan

6

Monitor the Plan

* Travel Insurance products provided through multiple carriers.
* Group Insurance products provided through multiple carriers.