Insurance can form an integral part of your financial health. Using a needs-based analysis, we help determine if you have a need for Life and/or Disability insurance to help ensure you meet your long-term goals. We offer independent unbiased insurance advice, and through our broker services, we have access to most insurance providers in the industry.
This advice is integrated with our financial planning services to ensure that you have asset protection and adequate funding of lifestyle expenditures and accruing income tax liabilities and other financial obligations. In addition, in certain situations, insurance policies can provide wealth transfer planning opportunities through tax-sheltered growth.
Retirement plans are for clients who are curious or concerned about whether they have sufficient financial resources to support their desired retirement lifestyle. Your retirement plan includes a detailed analysis of projected income sources (RSP, RIF, non-registered investments, OAS, CPP, and other income) and projected expenditures. Your retirement plan includes a detailed analysis of the tax implications that your various income sources will have during the accumulation stage and in retirement.
Comprehensive financial planning is not just about investments. We incorporate our wealth management strategies to incorporate risk assessment and tax minimization to ensure your retirement and estate planning goals are met. Coordination of outside resources is integral to the success of any comprehensive financial plan. We offer an integrated approach and leverage your relationship with your accounting firm, portfolio managers and lawyer to ensure we utilize their expertise when required. Our written financial plans include a complete analysis of every aspect of your financial situation, including our recommendations and an action plan.
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Through a referral arrangement, Kendall Sinclair Financial Services offers you direct access to TriCert Investment Counsel’s Portfolio Managers who will tailor an investment management strategy that is specific to your unique circumstances. Working with your accountant and financial planner, TriCert Investment Counsel’s Portfolio Managers take a quality sector-based (QSect™) approach to investing.
TriCert Investment Counsel is owned in part by Kendall Sinclair Financial Services Inc. TriCert Investment Counsel is registered with the securities regulators as a Portfolio Manager and is engaged to provide clients with discretionary portfolio management.
To learn more, visit the TriCert website and call us today at 705-498-6666 to help you gain confidence and clarity for your future!