Our Approach

 Expertise. Teamwork. Trust

The R. Sales & Associates Private Planning Experience is a deeply collaborative, streamlined process that will bring together an integrated team of financial professionals best suited to your needs. As a client, you can expect:

• Individualized plans that consider all areas of financial planning and multigenerational goals.

• Access to a network of highly specialized regional and head office experts.

• A disciplined, yet flexible approach that proactively adapts to your needs and today’s ever-changing world.

• Clarity and confidence for even the most complex financial planning decisions.

Access to specialists

Working closely with R. Sales & Associates Private Wealth Management, our extended team of specialists is dedicated to an enhanced client experience and further strengthening of our service offering.

Our wealth specialists offer an additional dimension through synchronized portfolio and individual securities advisory services. They can:

• Provide comprehensive investment analysis for our clients, in accordance with their individual financial plan and unique needs.

• Provide expert insight and analysis by applying the principles of diversification and portfolio construction aligned to both your investment time frame and risk tolerance.

For more complex portfolios, R. Sales & Associates Private Wealth Management works in collaboration with a team of portfolio strategists to analyze and customize investments. All portfolio strategists have their Chartered Financial Analyst (CFA®) designation.

Mortgage Advisors

Flexible lending and cash flow management solutions are available to address your current needs, while you work towards building wealth for your future.

Our mortgage advisors can help you:

• Optimize your cashflow to get the most out of your money.

• Implement advanced borrowing strategies to build wealth.

• Analyze and restructure your debt to reduce interest costs.

• Create liquidity to ensure easy access to funds as needed.

• Take full advantage of your home equity.

From reducing interest costs by restructuring debt, to minimizing tax obligations with the right planning strategy – R. Sales & Associates Private Wealth Management can help build personalized solutions to help you achieve your financial goals.

Regional Estate and Insurance Specialists

Our regional estate and insurance specialists will work with us to create an insurance plan that can meet all of your needs, leveraging solutions from the country’s largest insurance companies. Our regional estate and insurance specialists can help with:

Risk Management

• Maintain your family’s standard of living in the event of a premature death.

• Replace your income if you cannot work due to illness or disability.

• Provide funds in the event of a sudden critical illness.

Business Owners/Professionals

• Analyze funding requirements for a shareholders’ agreement or corporate debt.

• Design unique benefit solutions for key employees and executives.

• Examine the use of tax-sheltered life insurance as an alternate asset class to manage a portion of your passive investment portfolio, while maximizing the use of your corporation’s capital dividend account.

Estate Planning and Family Governance

• Implement inheritance and legacy planning strategies.

• Facilitation of Family Meetings.

• Philanthropic & Charitable Giving.

• Next Generation Education & Planning.

• Financial Literacy & legacy discussions.

• Professional’s meetings and mediation.

Advanced Financial Planning

Advanced Financial Planning support to help support complicated decisions, more confidently.

If your situation is more complex, the R. Sales & Associates Private Planning Experience offers advanced support provided by an industry-leading multidisciplinary team of head office experts.

Our Advanced Financial Planning team includes tax accountants, estate lawyers (and notaries in Québec), financial planning specialists, pension specialists and individuals with various types of advanced expertise.

Working collaboratively with R. Sales & Associates Private Planning Experience, the Advanced Financial Planning team has helped guide Canadians across a range of situations and goals.

They have expertise in a number of areas, including personal, corporate and trust taxation, estate planning, family property matters, trusts and disability planning, charitable giving, and farm taxation.

Creating Value in Complex Situations

The R. Sales & Associates Private Planning Experience may be particularly valuable to individuals and families with more complex needs.

In order to create your comprehensive financial plan, we begin by getting to know your situation and gathering important information. We will ask you:

• When would you like to retire?

• What are your current anticipated sources of retirement income?

• What sort of lifestyle would you like in retirement?

• Do you anticipate any large expenditures in the future, such as the purchase of a recreational property?

• If you are a business owner, do you have a business succession plan in place? Do you anticipate selling your business?

• Who would you like to benefit from your estate? Have you created a plan for transferring your wealth to the next generation? Do you have charitable objectives?

• What concerns do you have about any potential tax liabilities you may have now or at the time of death?

• Do you intend to leave any of your estate to a beneficiary with a disability?

• Do you have a vacation property or other specific asset that you would like us to give special consideration to?

• Are you concerned about the ability of some of your heirs to manage large sums of money?

• Are you concerned about what may happen in the event of separation or divorce?

We will need a clear picture of what you own, and how you own it. For example: Do you own your assets personally? Through a corporation? Joint with someone else? In a trust?

It will also be important for us to understand all of your sources of income and projected cash flow.

key documents for getting started

In addition to the questions we may discuss, we will also ask you to provide copies of certain documents to provide an accurate picture of your situation. These documents may include:

for individuals

• Investment statements (no more than three months old)

• Insurance policies and policy statements

• Mortgage, debt and credit statements

• Benefits/compensation package

• Will, power of attorney and health care directive (or protection mandate in Quebec)

• Federal and provincial tax returns (no more than 18 months old)

• Trust agreements

• Domestic contracts, such as: Cohabitation contract, marriage contract, separation agreement or divorce decree

for Business Owners, Incorporated Professionals

• Financial statements for any operating and holding companies (no more than 18 months old).

• Federal and provincial T2 corporate tax returns for each corporation (no more than 18 months old).

• A description of the classes of shares of your corporations.

• Organizational chart of your corporate structure.

• Shareholders or partnerships agreements.

Products & Services for corporations

• Health and dental

• Group insurance

• Group retirement services