Financial Solutions

At our very first meeting we start by asking questions, learning more about what’s important to you, what your financial situation is today and what you envision for your future. Once we gather the key information, we then analyze your unique financial picture and life goals, and make recommendations on how to achieve financially what is important to you. Together we explore your plan incorporating investment strategies, retirement goals, cash and debt management, tax solutions, risk management, and estate planning. Wise financial decisions can only come with knowledge, options and guidance. When you fully understand what you are getting and why, it will dramatically increase your success and peace of mind. As an independent brokerage, Prospera Solutions offers you the best options to meet the needs of your financial plan. We help choose the best products from the best companies in each area of your financial plan.


“When you fully understand what you are getting and why, it will dramatically increase your success and peace of mind.”


Financial planning isn’t a one-time process, and your plan is constantly transitioning as you move from one life stage to another. Once we implement your customized plan, we will work with you on a regular basis to make sure any changes that have occurred in your life that may impact or help your goals are addressed. You can count on regular meetings to review your plan to ensure everything is on track, any changes in products or legislation are explored, and revisit your financial goals (as these can change over time, too). No matter what life stage you are in, Prospera Solutions will help you Prosper for Life.


Retirement Solutions

How much I will need for retirement? How long will my money last? What’s the best ways to save for my retirement?

These are some questions many people worry about. Together will explore your “Retirement Readiness” so you know what your current financial situation holds for you when you’re ready to transition to your next life stage. From there we will look at some options for you to reach your retirement goals. There are many reasons to have or not have “Registered” accounts, and we will look at what makes the most sense for your financial situation and goals that includes:
  • RRSPs & RRIFs
  • LIRAs & LIFs 
  • TFSAs
  • Non-registered accounts
At Prospera Solutions, we work with you to plan for and make the transition into a prosperous and secure retirement.

Investment Solutions

There are many things to consider when building a portfolio.

We often get asked “what is the best investment today?”. The best investment for you is one that meets your long-term goals and takes into account where you are at presently, your comfort zone and your unique tax situation. Our investment recommendations are based on some basic fundamental principles. We use thoughtful wealth planning to drive investment strategies that are grounded in academic research, not stock market trends. We consider the investment time horizon and don’t risk timing the market. We create globally-diversified portfolios, which can reduce risk and improve return. We ensure your investment and retirement accounts are working together to help you reach your goals.

With all of the options, details and requirements, investments can be the most confusing and complex wealth planning task you face. That’s why we’re here, to speak to you in language that you understand. We are always working to minimize costs and minimize tax implications.

Are you ready to get started? Book a meeting with us or Click Here to start investing today.

Cash/Debt Management Solutions

Where you are now has nothing to do with where you can go.

Being aware of where your money is going and knowing if it’s working to help you reach your financial goals is key to taking control of your finances. We all need a short-term reserve in case of emergencies or opportunities. Open a Manulife Bank Advantage account and start saving with just one click.

Utilizing credit to solve an emergency problem is a slippery slope that can soon lead to debt issues. Creating a household budget and managing your variable expenses within that budget is the best way to get ahead and stay ahead. If you are experiencing issues with your cash flow, we can explore some strategies to help you improve your debt and cash management so you can ultimately reach your financial goals.

At Prospera Solutions, you are not alone. Our services offer free personal financial coaching to help you work through your financial issues and create a plan for success. Get your free budget planner here => Your Life=Your Money!

Education Solutions

It’s time to get smart about funding your children’s education.

You want your children to be successful through a higher education but the cost of a post-secondary just keeps getting higher and higher. The tuition and related fees are not the whole story. They represent only about one-third of the expenses that students face each year. Add in accommodation, food, transportation, books, computers, leisure, and the cost of a four-year post-secondary education could add up to more than $80,000. But there is way to meet these rising costs. By setting aside education funds for your children now, you can help them earn a university or college degree and avoid the crippling debt many students are incurring.

A Registered Educations Savings Plan (RESP) is an effective way to save for, and maximize the money available to, children when they enroll in a post-secondary program. The government of Canada and certain provinces offer several grants to help you build their education savings. Contributions are not tax-deductible, but money inside the plan and any grant they attract can grow tax-free until it’s withdrawn for education purposes. Once paid out, the earnings are taxed in the hands of the beneficiary (the child). Presumably, the child will be in a low tax bracket when the funds are withdrawn, and will therefore pay little or no tax. Saving for a child’s education is one of the highest financial priorities most people have and one of the largest expenses they will face. Start today to invest in your child’s future.

Tax Solutions

Canadians often neglect their highest expense…taxes.

Most Canadians focus on paying off their mortgage quickly. With today’s interest rates being so low, paying off your mortgage quickly may not be the best strategy.

While you hopefully have a great accountant who will show you deductions, we can help you look at tax planning for your future. There are numerous tax reducing strategies that could work for you like practicing tax efficient investing or income splitting with your spouse, and using life insurance to pay for your estate taxes. We will help educate you to fully understand the current tax laws and any changes in legislation that may help or affect you meeting your financial goals.

Estate and Legacy Solutions

What happens to your assets when you pass on?

What type of legacy do you want to leave behind? Do you have a Will, Enduring Power of Attorney and Personal Directives? A little bit of planning will save your family a lot of stress and second guessing on what your wishes would be if you are not able to answer for yourself. We can help you plan for transitioning your wealth to the next generation the most tax efficient way possible.

Charitable giving provides an easy way for you to give to charity, make a difference and leave a lasting legacy. Through a “donor advised” account, the charities you choose will receive grants over a period of years, and you won’t have the responsibilities and expense of setting up your own private foundation. Plus, you receive an official charitable donation tax receipt which can provide immediate tax benefits. It’s a powerful way to give, harnessing the power of investing for growth and efficient tax and estate planning – to the benefit of the people and causes that matter to you.
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