Financial Planning

Life’s milestones, events, circumstances and the unexpected—personally and professionally—will have an impact on your short- and long-term financial goals. Change is inevitable, so having a plan in place, with the flexibility to shift and evolve, can make all the difference.

At Investco Financial, we can help you create a personalized financial plan that incorporates your unique needs and ambitions. You can rely on our in-depth knowledge and experience to guide you through the process, from developing your financial strategy to identifying opportunities to helping you stay on track toward reaching your goals.

Know what you’re planning for

At Investco Financial, we can help you create an financial plan to map out how your estate and assets will be managed. Your financial plan reflects your unique needs, wants and wishes. It can help:

• Keep a business, property or cherished asset in the family

• Protect assets and help others make decisions on your behalf

• Provide ongoing management of your affairs

• Minimize the tax burden for those inheriting your wealth

• Fulfill your philanthropic goals and create your personal legacy

A Comprehensive Approach

We offer a full range of financial planning services tailored to your specific needs:

• Cash Flow Management – Effective cash flow management is essential for maintaining financial stability and achieving long-term financial goals. 

• Insurance Planning – Insurance strategies may also help you maximize the wealth you transfer to your heirs. How insurance may enhance your wealth management.

• Tax Planning – Implement tax-efficient strategies to reduce liabilities and maximize your wealth. 

• Retirement Planning – We can create a holistic plan to anticipate and meet the needs of each stage of your life—including retirement. We assist clients in maximizing retirement savings, optimizing pension benefits, managing investment portfolios, planning for healthcare expenses, understanding government benefits like CPP and OAS, and creating a sustainable income stream for retirement years. With our guidance, clients can enjoy a secure and fulfilling retirement.

• Education Planning – Education Funding is crucial for securing your children's or grandchildren's educational future. We assist you in creating a plan to save and invest wisely to cover tuition costs, ensuring that educational opportunities remain accessible and affordable.

• Estate Planning – We take the time to understand your unique circumstances, intentions, and long-term wishes. With that insight, we provide tailored trust and estate strategies aligned with your goals. Our approach includes tax-efficient wealth transfer, exploring trust structures and charitable giving, reviewing ownership and tax implications at death, assessing insurance needs, evaluating transfer options, and addressing family dynamics to help preserve harmony.

Our work doesn’t end with your plan—it’s just the beginning. As our client, you have access to a wide range of Investco Financial's solutions and services. We also offer specialized tools, resources and expertise to help you every step of the way in identifying, planning for, tracking and realizing your goals.

We’ll guide you through your choices, help you manage your plan and make adjustments according to your evolving needs, changing market conditions and the latest insights from global investment strategists.