Secure Your Future with Confidence
Retirement Income Planning
Navigate your retirement with the expertise and precision of Legacies Financial Group. Our tailored strategies ensure your financial success and peace of mind.
Excellence in Financial Planning
Your Path to Financial Security
At Legacies Financial Group, we are dedicated to helping you achieve financial success and security. Our expert team provides personalized financial planning services designed to meet your unique needs and goals. With a focus on investments and collaboration with other financial advisors, we ensure that your financial future is in capable hands.
Our Services
Investment Management
Our portfolio management services, as provided by Bo Chew, Portfolio Manager, R N Croft Financial Group Inc., are tailored to help you grow your wealth while minimizing risk. We use a strategic approach to build a diversified portfolio that aligns with your financial goals and risk profile. Let us help you invest smarter and secure your financial future.
Retirement Planning
Planning for retirement can be complex, but with our expertise, it doesn’t have to be. We provide comprehensive retirement planning services to help you build a robust retirement strategy. From RRSPs to pension plans to taking CPP retirement income early or later, we ensure you have a clear and achievable plan for your golden years.
Tax-Efficient Strategies
Maximize your wealth and minimize your tax burden with our tax-efficient strategies. We analyze your financial situation to develop plans that reduce your taxable income, optimize your investments, and protect your assets. Our goal is to help you keep more of what you earn.
- Total portfolio tax optimization to reduce taxation, annually and at death. We strategically allocate different investment asset types (fixed income, Canadian dividend stocks, buy and hold stocks, trading stocks,…) and various rate of returns to different account types (taxable, RRSP / RRIF, TFSA,…).
- Capital gains strategy to trigger gains at 50% inclusion rate instead of 66 2/3% inclusion rate.
- RRIF reduction strategy to withdraw additional income annually at lower tax rates, reducing tax at the highest 53.5% rate at death.
Income Optimization
Our income optimization services are designed to ensure you have a steady and reliable income stream throughout your life. We assess your current financial situation and future needs to create a personalized plan that balances growth and income. This approach helps you maintain your lifestyle and achieve your financial goals.
Wealth Protection
Protecting your wealth is as important as growing it. We offer comprehensive wealth protection strategies to safeguard your assets from market volatility, inflation, and unforeseen events. Our approach includes insurance planning, estate planning, and risk management to ensure your legacy is secure.
Segregated Funds
Segregated funds offer potential creditor protection and can help avoid probate, making them a valuable investment choice. These funds combine growth potential with estate planning benefits, ensuring your assets are safeguarded and efficiently passed on to your beneficiaries.
Collaborative Approach
We work closely with other financial advisors to provide specialized investment expertise. By partnering with us, advisors can enhance their service offerings and provide their clients with robust, well-managed investment strategies. This collaborative approach ensures comprehensive financial planning and optimal outcomes for all clients.
Compare Taking Your CPP Benefits Early or Later
Initial Information
Financial Planning Information
At the outset, we gather a high-level overview of your financial situation, priorities, and goals.
This helps ensure our conversations are focused, efficient, and aligned with what matters most to you.
Detailed Information
Comprehensive Financial Information
As we move forward, we may request more detailed information to fully understand your financial picture.
This deeper insight allows us to provide more precise, thoughtful recommendations tailored to your unique circumstances.