How we help

How we help

The Sharpe-Way Group takes a holistic approach to managing our clients’ wealth.

Clients’ needs have evolved over the past 30 years, and for many, they have become increasingly complex. We have recognized this evolution and provide services aligned to address these new demands which help assist our clients to grow, preserve and transfer wealth to the next generation.

We have highlighted below some of the key areas in which our clients have needed professional guidance and advice. Please click on the topic that you are most interested in to learn more, and then arrange a consultation if you feel we can be of service.

What do you need to consider as you plan for retirement?

As we move from our working years to our retirement years, there are the obvious investment related items that people need to consider. This includes converting registered retirement savings plans to registered retirement income funds or annuities, maximizing after-tax retirement income and leaving one’s estate in good order.

While it is important to focus on the financial elements of retirement, it is equally important to consider the other issues that will affect you and your family during retirement:

  • Your vision of retirement.
  • Health concerns that may arise.
  • Does work or volunteering fit into your retirement?
  • Major financial planning issues.
  • Family issues that need to be considered.
  • Will you be changing homes?
  • How do you see spending your time during retirement?

We look forward to helping you deal with and explore these issues.

We provide clients with comprehensive investment management utilizing a customized approach to their asset allocation in accordance with their individual needs, tax situation, and risk tolerance.

More and more Canadians are worried whether their pensions, if they have them, will be enough to pay for the retirement lifestyle they envisioned. Too many retirement income plans were based on interest rates far higher than they are today. Also, after having seemingly recovered lost capital from the “tech bubble” they are now on the other side of 2008 and 2009 wondering what to do.

For some, the challenge involves generating enough income to meet their objectives, while others are interested in growing capital without undue risk to what they have left.

Our team offers a comprehensive solution to investment portfolio income generation by leveraging many different types of investments that are assembled in a manner that is consistent with our clients’ investment objectives and risk tolerance.

Insurance is a part of any well thought out financial plan. Protecting one’s assets is an essential part of a holistic wealth management approach through the utilization of various life, disability, critical illness, and long-term care policies.

Insurance services are provided by Scotia Wealth Insurance Services Inc.

Protecting assets really comes down to avoiding taking big losses to one’s capital. Most people are concerned with losses in the stock or bond market. These situations can be addressed for the most part by balancing asset allocation and risk tolerance with the client’s needs.

Of equal, if not greater risk, comes to those that you leave behind. If not planned for, the taxman may become your largest beneficiary. There are a number of strategies that can be implemented to guard against this type of event occurring.

Insurance solutions are provided by Scotia Wealth Insurance Services Inc.

Risk usually refers to those events in life that increase the uncertainty of a desired outcome. This may come in a variety of forms — risks to one’s health, to one’s family or to one’s own financial well-being. At The Sharpe-Way Group, we endeavour to look at all of the factors that could potentially affect your ability to build, preserve and transfer wealth.

For some, estate planning is difficult to think about, let alone engage in. While we understand the vital importance of getting our finances and legal affairs in order for our heirs, few of us make the time. It’s easy to put off — and besides, the term “estate planning” can conjure up notions of greater wealth than we feel we possess. But all of us will have an estate to pass on, and we want our cherished beneficiaries — be they family or a favourite charity — to receive their inheritance according to our own intentions.

Estate and trust services are provided by The Bank of Nova Scotia Trust Company.

Living a comfortable, healthy and fulfilled life is pretty much the best any of us can ask for. What happens, however, to those that we love and care for after we’re gone? Some major questions that might arise could include the following:

  • Will my loved ones be taken care of the way I wanted them to be?
  • Did I protect my estate from the taxman the best way possible?
  • Is my estate protected from creditors or the like?

Taking the proper steps now and planning for the future can make all the difference to those that you leave behind.

One of the largest expenses of having children, we can certainly help plan for the funding of post-secondary education costs.

Charitable giving is a growing priority for many Canadians. While generosity and belief in community are primary motivators, the greatest enabler is a series of new tax incentives that began in 1996.

Charitable donations can often be divided into broad categories. Below are some of the more common options available:

  • Cash donations
  • Gifts of public securities
  • Requests
  • Charitable gift annuities
  • Gifts of insurance
  • Charities as beneficiaries of your registered accounts

A dedicated Private Banker is your single point of contact and will create a suite of services including transactional banking support, strategic borrowing solutions and a customized investment line of credit as part of a comprehensive wealth management strategy.

Private banking services are provided by The Bank of Nova Scotia.

Taxes are inevitable, however, there are many ways in which to minimize taxes payable. Below are just some of the strategies we employ to do just that:

  • Dividend income vs interest income
  • Return of capital income vs interest income
  • Income splitting
  • RRSPs, RRIFs, TFSAs and Registered Educational Savings Plans
  • Turning non-deductible debt into deductible debt
  • Using tax-exempt insurance products to protect your estate from the taxman.