Cresco Wealth Management
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Planning

COMPREHENSIVE PLANNING

We believe that financial plans are NOT to be made once, put away and never revisited as to ‘stay the course’.

We believe that financial plans are a living and evolving document which serves as the basis for revelations and potential red flags.

We break down planning into specific areas that each require individual attention.

Planning must be: Comprehensive – Evolving – Purposeful – Attainable – Measurable

  • Financial Planning

Life Event Planning

Retirement Planning & Goal Setting

Personalized Comprehensive Financial Plans

Business Planning – Business & Family Advisory Services

Inheritance

Aging Parents

Government Benefits

Education Planning

Cash Flow & Debt Planning

Expenses and Budgeting

Debt Management

Specialized Lending

Emergency Funding

Withdrawal & Saving Strategies

Private Banking Services

  • Tax Planning

We believe that tax planning is not only the job of your Accountant.

By no means are we suggesting that they are not necessary, however, to no fault of their own, they are not looking at the entire picture.

We believe that Wealth Managers and Accountants need to sit at the same table to ensure the success of a cohesive plan.

Strategies

Personalized Tax Reporting Packages

Gain / Loss review Tax Loss Harvesting

Deductions and Credits

Cost Basis Review

Corporate Tax Planning

Budget Updates; Provincial / Federal / US

Income Splitting Loan Strategy

Capital Gain Deferral Strategy

Estate Tax Strategies

  • Estate Planning

Each year, many Canadians pass away without a will, leaving the law to settle their estates without direction from the deceased regarding their desired intention.

Not only can a proper estate plan adhere to the intended wishes of the deceased, but also mitigate and in some cases eliminate the tax burden that is payable by the estate.

Estate planning requires a team that will dedicate the proper attention to detail.

Strategies

Wills, Power of Attorney & Personal Directives

Trusts

Estate Tax Minimization

Intergenerational Wealth Transfers

Philanthropy & Charitable Giving

  • Insurance Planning

It never ceases to amaze us how every time there is a conversation with an insurance agent there is always a new insurance concern.

As registered Insurance Advisors we feel it is always best to begin with a plan – which leads to the most relevant questions:

WHAT & WHY?

Why are we holding insurance?
What is the strategy?

Insurance has two main purposes – avoiding sudden shortfalls and estate protection.

  • Financial Planning

Life Event Planning

  • Retirement Planning & Goal Setting
  • Personalized Comprehensive Financial Plans
  • Business Planning – Business & Family Advisory Services
  • Inheritance
  • Aging Parents
  • Government Benefits
  • Education Planning

Cash Flow & Debt Planning

  • Expenses and Budgeting
  • Debt Management
  • Specialized Lending
  • Emergency Funding
  • Withdrawal & Saving Strategies
  • Private Banking Services
  • Tax Planning

We believe that tax planning is not only the job of your Accountant.

By no means are we suggesting that they are not necessary, however, to no fault of their own, they are not looking at the entire picture.

We believe that Wealth Managers and Accountants need to sit at the same table to ensure the success of a cohesive plan.

Strategies

  • Personalized Tax Reporting Packages
  • Gain / Loss review Tax Loss Harvesting
  • Deductions and Credits
  • Cost Basis Review
  • Corporate Tax Planning
  • Budget Updates; Provincial / Federal / US
  • Income Splitting Loan Strategy
  • Capital Gain Deferral Strategy
  • Estate Tax Strategies
  • Estate Planning

Each year, many Canadians pass away without a will, leaving the law to settle their estates without direction from the deceased regarding their desired intention.

Not only can a proper estate plan adhere to the intended wishes of the deceased, but also mitigate and in some cases eliminate the tax burden that is payable by the estate.

Estate planning requires a team that will dedicate the proper attention to detail.

Strategies

  • Wills, Power of Attorney & Personal Directives
  • Trusts
  • Estate Tax Minimization
  • Intergenerational Wealth Transfers
  • Philanthropy & Charitable Giving
  • Insurance Planning

It never ceases to amaze us how every time there is a conversation with an insurance agent there is always a new insurance concern.

As registered Insurance Advisors we feel it is always best to begin with a plan – which leads to the most relevant questions:

WHAT & WHY?

Why are we holding insurance?
What is the strategy?

Insurance has two main purposes – avoiding sudden shortfalls and estate protection.

Strategies

  • Review of Existing Policies
  • Life Insurance Needs Analysis
  • Long Term Care Needs
  • Disability & Critical Illness Insurance
  • Health and Travel Insurance
  • Kids Insurance

Financial Planning

Life Event Planning

Retirement Planning & Goal Setting

Personalized Comprehensive Financial Plans

Business Planning – Business & Family Advisory Services

Inheritance

Aging Parents

Government Benefits

Pension Reviews

Education Planning

Cash Flow & Debt Planning

Expenses and Budgeting

Debt Management

Specialized Lending

Emergency Funding

Withdrawal & Saving Strategies

Private Banking Services

Tax Planning

We believe that tax planning is not only the job of your Accountant.

By no means are we suggesting that they are not necessary, however, to no fault of their own, they are not looking at the entire picture.

We believe that Wealth Managers and Accountants need to sit at the same table to ensure the success of a cohesive plan.

Strategies

Personalized Tax Reporting Packages

Gain / Loss review
Tax Loss Harvesting

Deductions and Credits

Cost Basis Review

Corporate Tax Planning

Budget Updates; Provincial / Federal / US

Income Splitting
Loan Strategy

Capital Gain Deferral Strategy

Estate Tax Strategies

Estate Planning

Each year, many Canadians pass away without a will, leaving the law to settle their estates without direction from the deceased regarding their desired intention.

Not only can a proper estate plan adhere to the intended wishes of the deceased, but also mitigate and in some cases eliminate the tax burden that is payable by the estate.

Estate planning requires a team that will dedicate the proper attention to detail.

Strategies

Wills, Power of Attorney & Personal Directives

Trusts

Estate Tax Minimization

Intergenerational Wealth Transfers

Philanthropy & Charitable Giving

Insurance Planning

It never ceases to amaze us how every time there is a conversation with an insurance agent there is always a new insurance concern.

As registered Insurance Advisors we feel it is always best to begin with a plan – which leads to the most relevant questions:

WHAT & WHY?

Why are we holding insurance?

What is the strategy?

Insurance has two main purposes – avoiding sudden shortfalls and estate protection.

Strategies

Review of Existing Policies

Life Insurance Needs Analysis

Long Term Care Needs

Disability & Critical Illness Insurance

Health and Travel Insurance

Kids Insurance

Wellington-Altus Private Wealth

We believe the most consequential decision you will make is not a particular investment, or tax-efficient strategy. Instead it’s the advisory team you choose to work with for the next 20 years. 

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