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Wealth Management

Simplifying your life

There is more to building wealth than investing money. You also need to establish a thorough and realistic plan to carry out your projects through the years. Experience has taught us that the best way to achieve your objectives – whether short or long term – is to use an integrated management approach that is suited to both your needs and your professional, personal and financial situation. By doing so, you derive a lot more flexibility to turn your dreams into reality.

We can help you plan for retirement, manage your money, plan for your child’s education or carry out a specific project.

Good financial planning includes a comprehensive and objective analysis of your financial situation as well as an action plan and recommendations that can help you enhance your wealth and achieve a certain level of financial independence.

Whether you seek to save for your retirement, to learn to better manage your personal debts, to plan for your children’s education or to carry out a considerable project, your advosir will have all the resources required to help you choose a solution that suits your situation. He will help you:

 

  • Define your financial objectives;
  • Draft your personal budget and analyze your current status;
  • Evaluate your needs and your future livelihood; and
  • Determine the financial and fiscal strategies that will allow you to manage your assets and liabilities efficiently while maximizing your net worth.

 

* In Québec, financial planning services are provided by IQPF-registered advisors.

 

Taxes are one of life’s certainties, but there are ways to minimize your tax burden, at the time of the initial investment and upon its disbursement.

Imagine having the chance to receive an income without having to pay taxes. You probably already know what you would do with this new found wealth. While having to pay taxes is a certainty, there are several investment strategies that can help you minimize your tax burden, whether at the time of the investment or upon its disbursement.

Capital gains and investment income are taxed differently depending on the investment product you use. With good planning, you can ensure you choose investment vehicles that reflect your tax situation so that you can grow your wealth more efficiently.

We can help you analyze your portfolio and identify ways to reduce your tax burden.

Having a succession plan and an updated will can save your successors a lot of trouble. I can help you plan efficiently.

To ensure that your wishes are respected, you must have a succession plan and an updated will. This will help avoid many difficult issues for your successors.

To do so, you must:

 

·        Define the objectives of your succession plan;

·        Determine your wishes (beneficiaries, asset distribution, tutors, etc.);

·        Establish the financial needs of your successors, such as your children’s education, your mortgage payment plan, etc.;

·        Evaluate your needs in case of incapacity; and

·        Minimize the tax burden and maximize the cash flow available after your passing.

 

We can refer you to professionals you can trust to plan your estate properly.

Having the right insurance coverage can make all the difference for your peace of mind, but you must first assess your needs and potential risks.

 

We all hope to live a long and healthy life. However, we can’t predict what the future holds, and that is why having good insurance coverage can make all the difference for your peace of mind, and that of your loved ones. For instance, your spouse may need on going health care and maybe you can provide for these services now, but are you prepared for them once you are retired and no longer have access to the same income sources?

It is crucial to see to your financial security and that of your family today in order to avoid financial misfortunes in the event of death, illness or disability later on. To ensure that you have the right coverage, we will guide you to an expert who will help define your needs by factoring in your potential risks. This analysis will allow you to establish and implement a strategy that is right for you.

 

* Insurance products are offered by duly registered personal insurance advisors.

National Bank offers a complete line of banking & financing solutions. We will help you find the one that best fits your needs.

As a National Bank Financial – Wealth Management investment advisor, I have access to the complete line of National Bank’s banking and financing solutions – for individuals, families, charities or businesses.

Whether you’re looking for a solution for your everyday transactions, your financing needs or any other particular need you may have, we can help. Plus, with the help of our virtual banking branch, you'll never need to leave the comfort of your home to manage all of your banking, even your mortgage!

We offer several services designed to complement our line of investment solutions: philanthropy, trust, fiduciary, etc.

National Bank Financial – Wealth Management offers you a full suite of services to complement our line of traditional investment solutions. We can advise you on:

 

·        Philanthropy

·        Cash management

·        Currency management

·        Hedging strategies for entrepreneurs

·        Business management

·        Foreign banking

·        Real estate holdings valuation

·        Business transfers

·        Fiduciary trust services

 

Whatever question you have, we will find a solution that best fits your needs.

Contact us today to discuss your needs!

Portfolio Management

The Turpin Group offers its clients portfolio management services in the form of “models”. This approach, which presents many advantages for the investor, provides a discretionary management approach to investing.

 

By investing in such a product,your entire portfolio is entrusted to a professional portfolio manager. These “models” are under the regular supervision of the firm’s Portfolio Management Services Department, as well as a special committee that meets on a quarterly basis to verify that the investments chosen remain consistent with the investment policy of your profile.

 

 

Fees

The “myWealth Account” is a service option that allows you to make your investment decisions without having to take into account transaction costs. As such, you can concentrate entirely on increasing your financial assets.

It allows you to replace the traditional remuneration of the Investment Advisor by a management fee that varies in proportion to the value of the portfolio.

As the traditional remuneration of the adviser is based on sales commissions, it may happen that the merits of a transaction are difficult to assess by the client. The “myWealth Account” option eliminates any notion of conflict of interest between the client and the advisor.

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