Achieving your financial and lifestyle goals
Financial Planning
Our Three-Part Strategy
We get to know you to ensure we fully understand your goals.
We work closely with you to create and implement a custom strategy that fits your style and time horizon.
We monitor your plan and work with you to adjust and optimize so that you stay on track. This ongoing optimization of your plan is what sets RBA Financial Group apart.
Creating Your Financial Plan
Income Planning
How much will you need to comfortably maintain your lifestyle at retirement?
Tax Planning
How can you minimize the effects of taxation on your retirement income?
Time Horizon
How many years do you have before your planned retirement?
Estate Transfer Criteria
How will you pass your assets on to family members and in what form?
Charitable Bequests
Do you want to make any charitable bequests and realize the tax benefits prior to death?
With our exceptional product knowledge and expertise, we’ll help you choose the right investment vehicles to maximize your returns.
Investment products are provided through Aligned Capital Partners Inc.
Tax Planning
Our team includes a Chartered Professional Accountant (CPA) who oversees the tax preparation. We’ll review your personal tax situation and help identify the best tax-minimization strategies.
We also provide audit assistance for new tax clients and often find missed deductions or credits you should have received. These deductions or credits are not lost. All you need to do is file an adjustment, which we can do for you.
We offer income tax return preparation services at our Meaford, Markdale and Wasaga Beach locations.
Estate Planning
Making the Most of Your Legacy
Estate planning is a key element of a comprehensive financial plan because it ensures your family is cared for and supported after you’re gone.
An estate plan must continually evolve over a lifetime. It starts with building an estate during early adulthood and providing support for one’s family over a long period of time in case of premature death. As individuals age and leave the workforce, the plan changes to focus on the transfer of accumulated wealth to loved ones while minimizing estate taxes.
Common Estate Planning Objectives
- Ensure that surviving family members will maintain their current standard of living
- Provide for the continued care of a disabled child or dependent parent
- Provide sufficient capital to fund future needs for a child or grandchild
- Pass on a family business or treasured property
- Make a charitable bequest
- Minimize taxation and probate fees upon death
- Equalize bequests to children or grandchildren
The key to estate planning is thorough documentation and review. As your life evolves and circumstances change, it’s essential to review your estate plan, including your power of attorney and will. Our team can assist you with the review process, and if you do not already have a lawyer, we can refer you to one to make the necessary changes to your will or power of attorney.
