Planning For
Families
Families face a wide range of financial issues as they navigate stages of life and pursue financial stability and long-term goals.
Our personalized solutions focus on the unique aspects needed to plan for family milestones from the joy of welcoming new members to the responsibility of preserving and passing on a legacy.
Planning for Families
We can work with you to answer questions like these … because the answers are all about you.
Transitions
Should my spouse and I co-mingle our finances once we get married or begin living together? And what happens to assets that I brought into the relationship if we separate?
How do I pass on my wealth to the next generation? Do I need a family trust?
How can I make settling my estate easier for my family? And should I add one of my children to my primary residence to avoid probate?
Tax Planning
Are there opportunities for me to reduce my personal taxes? And is tax loss harvesting appropriate for me?
Is borrowing to invest a good thing? Should I borrow money to make an RRSP contribution?
How can I maximize my access to the Canada Child Benefit? And what is the best way to save for my children’s education?
Risk Management
How much life insurance is enough? And how do I change life insurance coverage over my lifetime?
Why would I consider life or critical illness insurance for my children? And what are child rider options on my own life insurance?
How do I maintain health insurance if I change jobs to an employer that doesn’t offer health benefits? And is the life insurance included in my group benefits enough?
Wealth Accumulation
How do I balance debt repayment with accumulating wealth? And how do I save for education and retirement at the same time?
How do I plan for the financial future for my child who has a disability? And are there efficient ways to transfer wealth for them?
Do I maintain my current investment strategy if I receive an inheritance or lottery winnings?
Ready to safeguard your family’s financial legacy for generations to come?
At FocalPoint, we provide expert guidance and personalized plans. Take the first step toward a strategic plan that protects, grows, and seamlessly transfers your wealth.
Relationship Transitions
Money is the number one issue couples argue about and a leading cause of divorce and separation. It doesn’t have to be that way – building strong financial skills and habits early in your relationship can provide you the confidence for life’s next milestones.
The Impact We’ve Had
Explore your Family’s Path to a Personalized Financial Plan
Ready to secure your family’s financial future for generations? The FocalPoint team offers expert strategies and personalized financial plans. Take the first step toward a personalized plan that protects, grows, and seamlessly transfers your wealth.