A person's goals and dreams motivate them to tremendous achievements. Ambition gives meaning to life. It sparks the proverbial fire to wake up every morning and do something special. Sometimes though, not all dreams can be achieved in one person's lifetime.

The relationships created with family, in business, through charity, philanthropy or any other social endeavour are important. A lasting legacy means impacting the lives around us. A person's will can continue to be expressed even after they expire.

Risk Management

We apply our expertise in the use of tax-exempt life insurance and related products as tools for insurance and investment. We provide personal and corporate solutions for tax, retirement & estate planning:

Services

• Insurance strategies and solutions
• Investment management of insurance portfolios
• Tax, retirement & estate planning

Personal Strategies

• Tax-sheltered wealth accumulation
• Retirement income and estate planning
• Estate liquidity
• Estate maximization
• Charitable gifting
• Intergenerational estate planning

Corporate Strategies

• Shared ownership policies
• Funding of shareholder agreements
• Key-person protection
• Executive compensation and retirement arrangements
• Funding capital gains tax and other liabilities

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