Financial management & planning is more than just transactions, it is a disciplined process that determines how we can reach your life goals through the comprehensive management of your finances. We prioritize our client experience and care for each individual situation as if it were our own.
comprehensive &
straight-forward approach
financial planning
Jeremy will clarify your present situation by collecting and assessing all relevant financial data such as lists of assets and liabilities, tax returns, records of securities transactions, insurance policies, will, pension plans, etc.
He will help you identify both financial and personal goals, and objectives, as well as clarify your financial and personal values. These may include providing for children’s education, buying a recreational property, supporting elderly parents, or building wealth that would help maintain your current lifestyle and provide for retirement. These considerations are important in determining your best financial planning strategy.
YOUR PERSONALIZED SITUATION & GOALS
Jeremy will look at possible financial problems that may create barriers to achieving financial independence. Problem areas can include too little or too much insurance coverage*, or a high tax burden. Your cash flow may be inadequate, or the current investments may not be winning the battle with changing economic times. These possible problem areas must be identified before solutions can be found.
IDENTITY POTENTIAL PROBLEMS
Jeremy will provide recommendations tailor-made for you and alternative solutions.
The cornerstone of our business is providing the highest level of unbiased financial advice to enable us to focus our time and energies, not on products, but on understanding your individual goals.
It is within this step that we introduce to you, your ASSET ALLOCATION PLAN. Asset allocation is the process of spreading your savings across different types of investments and industries. It is regarded as the single most important investment decision you will ever face. The outcome of this decision will impact your future financial security.
personalized & comprehensive plan
A financial plan is only helpful if the recommendations are put into action. Implementing the right strategy will help you reach your desired goals and objectives. Our team will assist you in either actually executing the recommendations, or coordinating their execution with other knowledgeable professionals.
implementing the best strategy
Your financial success is important. It is valuable to have someone you can trust monitor and care about your finances. Jeremy continuously monitors your portfolio to ensure that your investments are inline with your objectives. He provides periodic review and revision of your plan to assure that the goals are achieved. Your financial situation should be re-assessed at least once a year to account for changes in your life and current economic conditions.
regular reviews & revisions
the planning procesS:
"I feel privileged to have Jeremy Low manage my portfolio in a professional manner and to my utmost satisfaction. Jeremy has given me sound advice for the past 20+ years - especially appreciated in the last 7 years since my dear husband passed away."
Thelma
INDIVIDUAL OR JOINT NON-REGISTERED ACCOUNT
Today, people are retiring earlier and living longer. That makes it more important than ever to plan carefully for retirement. We provide you with a complete, personalized, financial plan using our distinct six step process of personal financial planning.
TAX FREE SAVINGS ACCOUNT (TFSA)
While we believe it is important to monitor risk, it is also important for successful wealth accumulation to take advantage of opportunities through continuous research and assertive investment behavior. Jeremy will discuss your objectives with you, your plans and expectations for the future and your personal priorities to develop the most appropriate wealth accumulation strategy for you.
REGISTERED RETIREMENT SAVINGS PLAN (RRSP)
Putting something away is something we can help you do. And making RRSP contributions is a smart way to do it. Just ask how the beauty of compound interest, tax reduction and tax deferrals will work for you to build real wealth. Life’s a long-term proposition. Let us show you how to make it pay. Jeremy can design a Retirement Living Plan tailored to you. So, whatever your goals and lifestyle dreams, we can work with you to help you do all the things you had hoped for in retirement.
REGISTERED RETIREMENT INCOME FUND (RRIF)
By the end of the year in which you turn 71, you will have to decide what to do with your RRSP. A straight withdrawal will rarely be the best option. So how to decide between RRIFs and annuities? Jeremy can help you decide what options fits best into your plans.
REGISTERED EDUCATIONS SAVINGS PLAN (RESP)
Give your children or grandchildren a gift that will pay dividends for the rest of their life: a custom education savings plan that, started now, can protect them later from double-digit annual increases in tuition costs. Post-secondary education is more crucial than ever – but it’s getting harder to pay for it. The only good news? The younger your children are, the more they can benefit if you start now.
LOCKED IN PLANS (LIRA OR LIF)
A LIRA is a special type of registered retirement savings plan (RRSP) into which a person can transfer the amounts that are in pension plan.
Life Income Funds, like RRIFs are tax-sheltered plans but are designed to pay out your accumulated registered pension plan or locked-in RRSP/LIRA assets over a number of years.
CORPORATE ACCOUNT
A corporate investment account allows you to make the most of money through investments inside the company.
CHARITABLE GIVING PLANS
Planned giving, or gift planning, is the process of designing charitable gifts so that the donor may direct money to a favorite charity while maximizing tax and other financial benefits. Jeremy can explain the options of present & deferred giving, and help you determine what fits best into your financial plan..
products & services
- GICs (Guaranteed Investment Certificates)
- High interest savings accounts
- Bonds (government, corporate)
- Stocks – Canadian, U.S., and Foreign
- Mutual Funds
- Exchange Traded Funds
investment solutions
While we believe it is important to monitor risk, it is also important for successful wealth accumulation to take advantage of opportunities through continuous research and assertive investment behavior. Jeremy will discuss your objectives with you, your plans and expectations for the future and your personal priorities to develop the most appropriate wealth accumulation strategy for you.
preparing & preserving your legacy
wealth & estate planning
Life throws us curveballs. You receive an inheritance, your job situation changes, your family situation changes, or you find yourself needing to make important decisions that could affect your finances. Jeremy will help you look through different options and help you decide what direction benefits you the most.
continuing stability
transition planning
Today, people are retiring earlier and living longer. That makes it more important than ever to plan carefully for retirement. We provide you with a complete, personalized, financial plan using our step by step process of personal financial planning.
looking ahead
retirement planning
*“INSURANCE PRODUCTS AND RELATED SERVICES ARE PROVIDED THROUGH JEREMY LOW AS PART OF COMPREHENSIVE FINANCIAL PLANNING SERVICES”
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Investments are provided through Worldsource Securities Inc., Sponsoring Investment Dealer, and Member of the Canadian Investor Protection Fund (CIPF) www.cipf.ca
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and Member of the Canadian Investment Regulatory Organization (CIRO).
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