Tax & Financial Planning

Services Tax & Financial Planning

Have you thought about what your current and future financial picture looks like?

You work hard for your money, are able to pay the bills, and add to your investments regularly. But financial planning involves a little more introspection and analysis of your financial picture beyond the day-to-day routines.

For example, how much should you actually be putting away for your future? What kind of tax consequences are your investments facing? And will you be prepared to maintain the lifestyle you want when you retire?

These are questions we all need to ask ourselves when developing a sound tax and financial plan. When you need answers, talk to the financial experts at Mandeville Private Client Inc. (“Mandeville”) / DFS Private Wealth.

Our award-winning team helps high net worth families in Mississauga, Toronto, and across Southern Ontario plan for a brighter, more secure financial future.

It’s never too early to prepare your financial plan with the understanding that it needs to be reviewed and adjusted over time. We’re ready to recommend strategies to get you closer to your long-term family goals.

Tax Planning

No one enjoys paying taxes. After all, wouldn’t you rather keep more of your investment capital and income for you and your family?

Our team of financial professionals understands the tax implications that successful investing can bring, and will use every tax advantage and strategy available to minimize your tax burden. We’ll measure the tax efficiency of both your registered and non-registered accounts, as well as any investment cash flow, and make the adjustments that will protect as much of your money from the taxman as possible. DFS Private Wealth will also work with your other professional advisors to find the best solutions for your family.

Our tax planning strategies include advice and guidance on:

  • Income splitting to reduce income taxes
  • Pension splitting with your spouse on your tax return
  • Sharing CPP benefits and RRSP contributions
  • Registered Education Savings Plans (RESP)
  • Registered Disability Savings Plans (RDSP)
  • Graduated Rate Estates (GREs)
  • Prescribed rate loans
  • Family trusts
  • Strategies for splitting business income

We can also provide you with handy tips to save even more tax, such as deducting interest on investment or business loans, investment counsel fees, capital gains exemptions, and more.

Financial Planning

Financial planning is more than just investing today and hoping for the best return tomorrow. It involves a comprehensive look at your complete financial picture, including your current needs and retirement goals, in order to develop a customized strategy that completely fits your lifestyle both now and in the future.

Our portfolio managers will only recommend public, private, or alternative investment products that suit your comfort level, whether it’s conservative, reasonable, or aggressive. We integrate rational, educated assumptions into your financial plan, such as inflation rate, life expectancy, and retirement benefits and spending so your plan will continue to operate efficiently over the long term, even during lean times.

We’ll also prepare you for your dream retirement, and recommend the best cash flow strategy for your vintage years. Our proactive approach includes a look at where your cash will be coming from, such as registered investments, TFSAs, or pensions, explore spousal income splitting options, and review your future plans for downsizing or selling your principal residence.

Count on the team at Mandeville/DFS Private Wealth to look at every possible strategy that will grow your wealth so your family is ready for the future.

Tax & Financial Planning in Mississauga, Toronto, and Southern Ontario

 

You’ve worked hard for your money and invested wisely. Keep more of your capital and income for yourself with tax and financial planning solutions from Mandeville/DFS Private Wealth. Just ask our financial experts how we can increase your family’s wealth with a tax-efficient strategy that’s completely tailored to your needs and goals.

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With over 60 years of experience, the award-winning Private Wealth Managers at Mandeville/DFS Private Wealth provide exceptional wealth management expertise to high net worth families and businesses in Mississauga, Toronto, and Southern Ontario.

If you think your financial picture or investment strategy could use a review, contact us today for a free consultation.

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