The Power of Planning Your Course!
Charting Your Way Towards Safe Harbour
How we help business owners and families succeed through financial planning.
Financial Planning as Navigator
Whether you're planning for retirement, optimizing tax strategies, protecting your family's lifestyle, or dealing with corporate structures and trusts, an integrated plan ensures all pieces work together effectively to secure your vision of tomorrow. We specialize in collaborating with you to determine what is important to you and "chart" your path forward towards achieving safe harbour.
Why This Matters
Once a plan is designed, the implementation of the strategies is often done in silos by a variety of professionals — your investment advisor, your accountant, your insurance agent, your lawyer, your lender. This fragmented approach creates gaps, inefficiencies, and missed opportunities, especially when dealing with complex structures such as business interests, corporations, trusts, and real estate. As the “architect” of your financial structure, we coordinate how your plan is implemented by working collaboratively with your advisors, referring you to competent professionals, or assume the roles we are qualified for.
Our Money Map Model™ addresses these challenges using a proven foundation-first implementation process.
Our Money Map Model™
Financial Planning Components
Financial Management
Financial Management
Financial Management
Analyze your income and expenses, debt and credit levels, tracking and administration systems, and emergency and project funding to reduce stress and allocate savings effectively.
Investment Planning
Financial Management
Financial Management
Establish a comprehensive investment strategy that meets your planning goals and factors in your family dynamics, risk tolerance, account types, and tax implications to provide income for life and a legacy for the next generation.
Tax Planning
Financial Management
Risk Management
Review your tax filings, income sources, tax deductions and credits to lower yearly tax liabilities and strategize to reduce future taxes based on your objectives.
Risk Management
Retirement Planning
Risk Management
Assess the impact of negative health events that can threaten your financial security and recommend solutions to minimize the risks to your family and business.
Retirement Planning
Retirement Planning
Retirement Planning
Define your retirement objectives and monitor your transition towards financial independence by matching your income to your retirement lifestyle while addressing your ongoing capital requirements.
Estate Planning
Retirement Planning
Retirement Planning
Ensure your intentions, relationships, and finances are aligned and documented to provide peace of mind for you and your loved ones while addressing family issues, legal and tax implications.
Why Permanent Life Insurance?
Wealth Accumulation
Wealth Accumulation
Wealth Accumulation
Allows clients to use life insurance as a tool to build wealth while creating a late-stage retirement income source.
Tax Advantages
Wealth Accumulation
Wealth Accumulation
Allows clients to grow their insurance tax free and receive a tax free benefit upon passing to pay final taxes and gift money to your loved ones.
Minimize Risk
Wealth Accumulation
Minimize Risk
Allows clients to offset the risk of passing early or outliving their investments by paying a tax free, lump sum amount to your loved ones.
Schedule Your All About You Meeting
Copyright © 2024 Harbour Legacy - All Rights Reserved.
Aligned Capital Partners Inc. (“ACPI”) is a full-service investment dealer and a member of the Canadian Investor Protection Fund (“CIPF”) and the Canadian Investment Regulatory Organization (“CIRO”). Investment services are provided by Registered Representative James Bisson through Harbour Legacy Investments, an approved trade name of ACPI. Only investment-related products and services are offered by James Bisson through Harbour Legacy Investments of ACPI and covered by the CIPF. Financial planning and insurance services are provided by James Bisson through Harbour Legacy Financial. Consulting services are provided by Sebastian Pareja through Harbour Legacy Consulting. Both Harbour Legacy Financial and Harbour Legacy Consulting are independent companies separate and distinct from ACPI.
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