Our Financial Planning Team will guide you in the development of strategies that will allow you to achieve your financial objectives. More specifically, this plan will cover the following areas:
The main activities to be completed in the context of this offering are:
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An Advisor Managed Account is another name for a fully discretionary account.
Discretionary portfolios provide the latitude we need to manage all of your investments. You entrust your savings to our Team and we will make all the necessary decisions involved in the day-to-day management of your portfolio in keeping with your investor profile, restrictions, constraints and investment objectives.
The only difference between the JMRD Watson Advisor Managed Account and the JMRD Watson Basket Program is that the Basket program allows an investor to entrust SOME of their investment assets on a discretionary basis while the Managed Account is all of their investment assets.
An investor would gain access to this discretionary management by purchasing one of our JMRD Watson Baskets. They are the Exchange Traded Fund (ETF) Basket and the Diversified Income and Growth (DIG) Basket.
The JMRD Watson My Wealth Managed Account
+ The Basket Program
+ World Renowned Find Managers
= JMRD Watson Model Portfolios
Take advantage of our expertise to live out your retirement dreams. We will help you each step of the way, from accumulation to disbursement.
You probably have a good idea of what you want to do once you’ve retired: renovate the family home, travel the world, purchase a vacation property, etc. Ambitious or not, your retirement dreams can come true if you plan them right today.
To implement a savings strategy that will help you live out the retirement of your dreams, you must of course evaluate your current assets in relation to your objectives, but you should also take into consideration the fiscal consequences of your investments, your succession plan, your income sources and every other factor that can impact your savings ability and your future income.
Your advisor has the expertise necessary to help you in this process. With his help, you will be able to accurately define your objectives and retirement needs, as well as determine the right strategies to execute at opportune times of your life.
Typically, we go through four life stages during which it is critical to review our savings and investment strategies to ensure that we remain on the right path to our dream retirement:
This stage concerns you if you are just starting your career and have very few invested assets with relatively high expenditures. For instance, you may be considering purchasing your first home, in the process of paying back school loans or planning to start a family.
This stage applies when you have begun accumulating retirement savings, and have a stable career and family life. What matters most at this point in time is to preserve your wealth, while continuing to grow your assets with calculated risks.
This stage refers to retirement. This is when it is important to properly manage your wealth by using the right disbursement strategy so that you may optimize your pension income.
This stage concerns your wealth after your passing. It is important for you to have prepared the transfer of your assets and implemented the right succession plan in order for your loved ones to be cared for as you had intended.
Although each stage is typically associated with a certain age group, your situation may differ. That’s why it’s important to have an expert evaluate with you the solutions that are right for your unique life path and desires. Your National Bank Financial – Wealth Management investment advisor knows all the pros and cons of the different savings solutions and retirement income options available, and he can inform you as to their fiscal and financial impact. By discussing your goals with your advisor, you will be better positioned to make the right decision, namely regarding:
Take advantage of our knowledge and experience to make the right decisions, according to your situation. We will help you:
Having the right insurance coverage can make all the difference for your peace of mind, but you must first assess your needs and potential risks.
We all hope to live long and healthy. However, we can’t predict what the future holds, and that is why having good insurance coverage can make all the difference for your peace of mind, and that of your loved ones. For instance, your spouse may need ongoing health care and maybe you can provide for these services now, but what are you prepared for them once you are retired and no longer have access to the same income sources?
It is crucial to see to your financial security and that of your family today in order to avoid financial misfortunes in the event of death, illness or disability later on. To ensure that you have the right coverage, your advisor will guide you to an expert who will help define your needs by factoring in your potential risks. This analysis will allow you to establish and implement a strategy that is right for you.
* Insurance products are offered by duly registered personal insurance advisors.
Having a succession plan and an updated will can save your beneficiaries a lot of trouble. We can help you plan efficiently.
To ensure that your wishes are respected, you must have a succession plan and an updated will. This will help avoid many difficult issues for your beneficiaries.
To do so, you must:
Taxes are one of life’s certainties, but there are ways to minimize your tax burden, at the time of the initial investment and upon its disbursement.
Imagine having the chance to receive an income without having to pay taxes. You probably already know what you would do with this newfound wealth. While having to pay taxes is a certainty, there are several investment strategies that can help you minimize your tax burden, whether at the time of the investment or upon its disbursement.
Capital gains and investment income are taxed differently depending on the investment product you use. With good planning, you can ensure you choose investment vehicles that reflect your tax situation so that you can grow your wealth more efficiently.
Your advisor will help you analyze your portfolio and identify ways to reduce your tax burden. For instance, he may advise you on income splitting – with your spouse or children – or suggest you invest in a registered plan.
An estate plan will allow you to:
There are very few certainties in life, but unfortunately death is one of them. It can happen at anytime, and even if it is inevitable, its aftermath can be completely planned. Doing nothing or waiting until it is too late is certainly not in the best interest of your family or your business.