Investment & Asset Management
- Goal setting and Required Rate of Return
- Asset allocation based on personal goals and objectives
- Ensuring investment selection is inline with goals & risk tolerance
- Tax efficiency of Investments
- Fee Analysis
- Continuous Monitoring and goal checks
Estate Planning
- Legacy Planning
- Inheritance
- Intergenerational transfers
- Estate Bond
- Gifting to children
- Trusts
- Charitable donations
**Some Estate Planning strategies may require the involvement of a legal professional.
Retirement Planning
- Retirement Income Projection and Analysis
- Pension Analysis
- Severance
- TFSA or RSP ?
- Goal Setting
- CPP and OAS Analysis
Risk Management & Needs Coverage
- Income protection
- Asset protection
- Family protection
- Estate protection
*Please note: Insurance services offered by Michele Mannerow, through Manulife Wealth Insurance, are separate from the securities business offered through Designed Securities. Insurance services are regulated by Financial Services Regulatory Authority of Ontario (FSRA). Designed Securities is regulated by the Canadian Investment Regulatory Organization (CIRO) and is a Member of the Canadian Investory Protection Fund (CIPF).
Corporations and Businesses
- Business Risk Management
- Investment and Asset Management
- Group RSP
- Tax Efficiency of Business Income
- Group Benefits
Tax Minimization Strategies
- Tax efficiency of investments
- Tax deferral
- Tax conversion
- Passing assets through your estate
- Income splitting
- Intergenerational transfer
*Tax minimization strategies abide by rules set forth by the CRA and may require us to work along side a Chartered Accountant.
Other
- Education Planning
- Short term goal planning