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The importance of a Plan
PWM Capital believes that investment selection should only be made in the context of an overall financial plan that takes account of all life events. We'll work closely with you to establish your specific investment objectives, risk tolerance, and the unique factors impacting your portfolio.
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Wealth Management is a type of financial planning that provides individuals and families with private banking, estate planning, legal resources, and investment management, with the goal of sustaining and growing long-term wealth. Whereas financial planning can be helpful for individuals who have accumulated wealth or are just starting to accumulate wealth, you must already have accumulated a significant amount of wealth for the wealth management process to be effective.
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Estate planning is the process of accumulating and disposing of an estate to maximize the goals of the estate owner. Goals include ensuring the greatest amount of the estate passes to the estate owner's intended beneficiaries, while paying the least amount of taxes and avoiding or minimizing probate court involvement.
Estate Planning is an important part of a comprehensive wealth management plan. Through your Investment Advisor and the support available to him/her, insurance product can be introduced to your plan. How will capital gains taxes be paid on the deemed realization of gains on all your assets on death. Liquid investments and illiquid investments – such as family cottages – will incur capital gains taxes on death that may have to be paid from the sale of those same assets, unless paid from an insurance policy. |
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Registered accounts include RRSP, LIRA, RRIF, LIF, LRIF and RESP's.
Registered accounts such as Registered Retirement Savings Plans (RRSP’s) provide you with the vehicles to build and grow your portfolio in a tax-advantaged manner.
A LIRA is better known as a locked-in RRSP. The rules found in the Income Tax Act with respect to an RRSP apply to your LIRA.
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Mutual Funds have become one of the most popular investments for Canadian investors.
They provide numerous benefits, including access to professional money managers, diversification - which reduces investment risk, liquidity and ease of investment; particularly in international markets.
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Fixed Income
Fixed income refers to any type of investment that yields a regular (or fixed) return. Whether your situation requires safety of principal, pre-determined future payments or tax-advantaged growth, your PWM Capital Investment Advisor will structure the optimal portfolio that meets your fixed income investment needs.
PWM Capital’s relationship with Penson Financial Services allows our Investment Advisors to access Canadian, U.S. and international debt instruments as well as Canadian and U.S. research on the bond and money markets.
Our Investment Advisors have the support of experienced traders and specialists to ensure competitive pricing in the government and corporate bond markets. Appropriate advice and guidance from your Investment Advisor coupled with superior trading capabilities ensure your portfolio requirements for fixed income are met.
Equities
History has shown that investing in equities can produce superior portfolio performance to many other investment vehicles. Despite the cyclical nature of equities, analysis proves that investing over the long-term significantly improves portfolio returns.
Favourable capital gains treatment and the ability to defer gains over time also make equities and attractive investment class for portfolios.
PWM Capital’s working relationship with Penson Canada, a subsidiary of Penson Worldwide, allows us to access Canadian, U.S. and foreign markets.
PWM Capital accesses equity research from independent investment sources and research specialists to ensure unbiased investment advice. |
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Wealth Management
