As your North Bay-based financial advisor, we create custom strategies that support every stage of your life—from building wealth to passing it on. We coordinate all aspects of your finances into a plan that is smart, tax-efficient, and built to adapt to our ever changing world. Our services include:
Retirement planning
You’ve worked hard to build wealth. Now it’s time to turn that wealth into income you can count on. We help you build a retirement plan that supports the lifestyle you’ve earned—without the fear of running out. That means decumulation strategies, sustainable withdrawal planning, and tax-efficient income streams that make the most of every dollar. Whether retirement is five years away or five months out, we help you prepare.
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Estate and legacy planning
Estate planning is about more than having a will—it’s about protecting the people and legacy you care about most. We help high-net-worth families build estate strategies that reduce tax, provide structure, and transfer wealth smoothly across generations. From trusts and life insurance to family meetings and charitable giving, we bring clarity to an emotional and complex process. Your legacy should reflect your values, not be lost to tax or confusion.
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Investment planning
Your investments should support your life, not define it. As your high-net-worth financial advisor, we create investment strategies that align with your goals, risk profile, and full financial plan. From growth-focused portfolios to income-generating strategies in retirement, we keep your money working—and coordinated with your broader tax, estate, and cash flow needs. Our approach is active, disciplined, and deeply personal.
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Tax planning
For high-net-worth individuals, taxes are one of the biggest variables to sustaining long-term wealth. We help you minimize tax through strategic planning—structuring income, timing withdrawals, and using every available credit and deduction. Our tax strategies are fully integrated with your investment, retirement, and estate plans. And we coordinate directly with your accountant and other professionals, so nothing gets missed and no opportunity is left behind.
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Business succession planning
Your business is more than an asset—it’s your life’s work. When the time comes to step back, we help you plan a smooth, tax-efficient exit that reflects your goals. Whether you’re selling to family, management, or an outside buyer, we help protect your value and your legacy. From capital gains exemption planning to succession conversations and coordination with professionals, we turn complexity into clarity. And we can bring the unparalleled support of our Deep Blue team to you as you navigate the challenges of succession.
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Charitable giving
Giving back shouldn’t feel like an afterthought. For many clients, philanthropy is a key part of their legacy—and we help make it strategic. Whether you’re gifting securities, setting up a donor-advised fund, or including charity in your estate, we ensure your generosity supports the causes you love while reducing your tax burden. We believe, as our clients do, that you can’t go wrong by doing the right thing.
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Cash management
Cash flow is the engine of your financial life. We help you manage liquidity, short-term investments, and borrowing strategies with precision and purpose. Whether you’re a business owner with seasonal income or a retiree managing multiple sources of cash flow, we help you stay nimble and in control. Our cash management services ensure your money supports both your daily life and long-term plan.
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Post-secondary education planning
For many clients, education funding is a key family goal. We help you structure education savings in a way that’s flexible, tax-smart, and integrated into your broader wealth plan. From RESPs and gifting strategies to aligning education planning with estate and tax decisions, we make sure your support lasts across generations.
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Wealth transfer
We help high-net-worth families transfer wealth with clarity, care, and tax efficiency. From structuring inheritances to setting up trusts and planning for charitable giving, we ensure your legacy is protected and passed on the way you intend. Every strategy is built to reflect your values and prepare the next generation with purpose.
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Insurance planning
Insurance is more than protection—it’s a tool for stability, tax efficiency, and legacy planning. We assess your needs for life, critical illness, and disability insurance, ensuring every policy serves a specific purpose in your overall strategy. For high-net-worth individuals, we often use insurance to cover future taxes, protect estate value, or support succession planning with confidence.
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