You focus on what matters most.
We'll handle the rest.
FINANCIAL PLANNING
Financial planning is complex. We're here to help you handle it all.
Looking at the "big picture" when it comes to your finances can be overwhelming. Does everything work together? Investments, insurance, taxes, budgets, and the list goes on. We're here to take care of the details, so you don't need to worry. We'll provide a plan that integrates everything in a way you can understand. If facing a major change in life like leaving a job, buying a home, having children, etc., we'll help you prepare for it. Why look back in life and think "if only..." when you can take care of your finances, right from the start.
Making financial mistakes happen, but it can be stressful, expensive and irreversible in most cases . We are here to provide sound financial planning that empowers you to confidently make informed decisions.
Try our collaborative planning tool and get a free sample report! Just contact us by clicking the button below to receive your secure invitation.
Hire a professional and take away the stress of planning your finances
Looking between the lines to identify opportunities
Working together to build plan that will make an impact.
INVESTMENTS
Providing unbiased investment advice that fits client needs
Through Sterling Mutuals Inc., one of Canada's premier independent dealers, we offer a wide assortment of non-proprietary financial products and solutions that are best-in-class. We collaborate with clients to develop customized strategic investment decisions to best meet their needs. Your objectives come first, and we will always act as a fiduciary when giving you our investment advice, meaning we will provide full transparency 100% of the time so we can make the best decisions with YOU in mind.
We provide complete, rapid and uncompromising support when you need it and will help you evaluate your options, and related tax savings through strategic investing with accounts such as:
| Tax Free Savings Account (TFSA) | Locked In Retirement Accounts (LIRA) |
|---|---|
| Registered Retirement Savings Plans (RRSP) | Registered Retirement Income Funds (RRIF) |
| Registered Education Savings Plans (RESP) | Group Retirement Savings Plans (GRSP) |
| Registered Disability Savings Plans (RDSP) | Defined Benefit Pension Plans |
Get a basic visual breakdown of your investment performance, risk, and fees
Click to find out more about the Sterling Advantage
Securities provided through our private partnership (eligibility required)
Hire a professional who understands the market and you
Examine your investment portfolio to identify opportunities
Full guidance as a partner; to help you invest with confidence
MORTGAGE SOLUTIONS
Mortgage planning with unbiased advice. Be confident your purchase will be handled by a professional.
Understanding how to manage finances for your largest asset can lead to huge savings or costly mistakes. By working with a financial planning professional, learn how to integrate these decisions into your personal financial plan to help improve your cashflow and avoid feeling the strain of owning property. We can help you focus on your existing property, expand your real estate portfolio, or better utilize lending for your day to day needs.
As a licensed independent partner with Mortgagebroker.ca, and access to more than 50 lending institutions, including major banks, credit unions, trusts and other national and regional lenders, we can help people understand how to make their mortgages work for them. Learn the basics and let us handle the details.
Download MY MORTGAGE PLANNER app to use our collaborative mortgage tool. It provides personalized calculators, top mortgage rates, and a pre-qualification tool for finding the maximum mortgage you can afford. Just click the image below to direct you to the download page.
Hire a professional to better understand lending options that fit your needs
Looking between the lines to prevent costly mistakes
Working together to improve your cashflow for other needs
INSURANCE
Protecting your most important asset. YOU.
Our recommendations are customized for your unique situation to ensure you don't overpay or lack the coverage you'll need to feel secure. Using a comprehensive, needs based approach, we develop solutions to protect you and loved ones from the unexpected. An assessment of existing group and personal coverage, with an understanding of your situation, help to create the ideal plan to protect against short and long term risks.
Types of Coverage
- Disability/income replacement
- Life Insurance
- Critical Illness Insurance
- Long Term Care Insurance
- Personal Health and Dental Plans
- Asset Protection and Wealth Maximization Plans
- Travel and Medical Insurance
Our relationship with TruStone Financial, home to over 1,100 independent advisors in Ontario and Western Canada, allows us to connect people with the solutions that best fit their needs. At Modern Vision Planning, we help clients understand insurance and how impactful it can be to their financial futures.
An experienced view of what you have, and how it helps you.
Not all policies are designed the same. Take a deeper look.
Here to help as your needs change over time
GROUP BENEFITS
A Win-Win for Employers and Employees
A well structured workplace benefits plan can mean thousands in savings to an employer while also addressing the needs of employees. Studies have shown that group health and retirement plans are increasingly important to everyone; whether it is an employer trying to attract talented individuals, or employees who rely on the benefits provided.
We review with employers the strength and value of their group health & retirement plans, and also work with individuals to help maximize the benefits of their plans as part of a personal financial strategy.
We work directly with major insurance benefit carriers to develop solutions best suited for any type of business.
As an independent, we are also proud to offer alternative group plans that can provide thousands in savings to companies who qualify through our partnership with Maximum Benefit for third party administered health plans and Common Wealth Retirement for group retirement savings. Understand how working with independent professionals can make a difference.
Work with a professional who understands the needs of your business and employees
Review your current plan for inefficiencies and cost savings
An outside partner to your personal and business growth through group benefits
