Intro
Boutique and Independent Advice
For over 40 years and across three generations, we have navigated the same complexities we guide our clients through, ensuring every strategy is tested and proven before being entrusted to others. As a truly independent firm, we answer only to the families we serve—free from institutional influence, sales mandates, or external pressures. Licensed across Canada and select U.S. markets, we move with agility to secure opportunities and safeguard wealth with precision. Beyond financial strategies, our carefully cultivated network grants discreet access to key institutions and specialized advisors, ensuring that the right expertise is always within reach.
Tax & Estate Planning
Wealth is not simply accumulated—it is stewarded for generations. Thoughtful tax and estate planning ensures seamless transitions, safeguarding assets from erosion while preserving the values that built them. With precision and foresight, we structure wealth to endure, transforming financial success into a lasting legacy.
For Your Family
01
1. Life Insurance
A cornerstone of financial security, safeguarding your loved ones and enabling tax-smart wealth transfers, ensuring your legacy endures for generations to come.
Overview
- What It Is: A financial tool that provides a lump-sum payout to your beneficiaries upon your passing, offering security during life’s most uncertain moments. It can also build cash value for additional liquid.
- How It’s Implemented: After consulting with your advisor, your coverage needs are assessed, followed by pre-screening and medical underwriting. Once approved, your tailored policy provides peace of mind for you and your family.
- Practical Benefits: Secure your loved ones’ financial future, pay off debts, and enable tax-efficient wealth transfers while protecting your legacy.
- Scenario: Idris, a devoted father and business owner, passed unexpectedly from a heart attack. Without his income, his family faced losing their home and business. Thankfully, his life insurance provided a tax-free payout, covering their mortgage, securing the kids’ education, and saving the business from collapse.
Our Enhanced Services
- Pre-screening with medical underwriters to ensure a smooth application process
- Medical exams conducted in the comfort of your home
- Priority processing with preferred relationships at leading carriers
- Comprehensive claim support for expedited payouts
- Dedicated service team to guide sales, onboarding, and maintenance
Processing Times
Initial Consultation
1-2 weeks
Illustration & Design
1-2 weeks
Application Submission
1 week
Underwriting Process
4-8 weeks
Policy Approval & Placement
1-2 weeks
Requirements
1.
Proof of Legal Residency
2.
Medical Underwriting
- Completion of a detailed health questionnaire
- Medical exams (e.g., blood tests, urine tests, physical exams)
- Review of medical history and healthcare provider records
3.
Financial Justification
- Justification of coverage amount aligned with financial needs
- Documentation such as net worth statements and income verification
4.
Lifestyle and Risk Assessment
- Evaluation of smoking status, alcohol consumption, and high-risk activities
5.
Insurable Interest
- Clear evidence of financial or emotional loss in case of death
2. Critical Illness Coverage
Comprehensive financial support during life’s toughest challenges, helping you focus on recovery and your family’s well-being without the burden of financial stress.
Overview
- What It Is: A financial tool that provides a lump-sum payout to support you during major health crises like cancer, heart attack, or stroke. This coverage focuses on offsetting the unexpected costs associated with life-altering illnesses.
- How It’s Implemented: Once diagnosed with a covered illness, you receive a tax-free lump-sum payment, providing immediate financial relief. It’s your decision how to use these funds—whether for treatment, recovery, or maintaining your lifestyle.
- Practical Benefits: Ensures financial security during recovery, covering medical bills, therapy, home modifications, or even allowing you to take time off to heal without financial strain.
- Scenario: When Kian was diagnosed with cancer, the lump-sum payment from his Critical Illness Coverage allowed him to access cutting-edge treatments abroad and focus entirely on his recovery without worrying about mounting expenses.
Our Enhanced Services
- Pre-screening with medical underwriters to ensure a smooth application process
- Medical exams conducted in the comfort of your home
- Priority processing with preferred relationships at leading carriers
- Comprehensive claim support for expedited payouts
- Dedicated service team to guide sales, onboarding, and maintenance
Processing Times
Initial Consultation
1-2 weeks
Illustration & Design
1-2 weeks
Application Submission
1 week
Underwriting Process
4-8 weeks
Policy Approval & Placement
1-2 weeks
Requirements
1.
Proof of Legal Residency
2.
Medical Underwriting
- Completion of a detailed health questionnaire
- Medical exams (e.g., blood tests, urine tests, physical exams)
- Review of medical history and healthcare provider records
3.
Financial Justification
- Justification of coverage amount aligned with financial needs
- Documentation such as net worth statements and income verification
4.
Lifestyle and Risk Assessment
- Evaluation of smoking status, alcohol consumption, and high-risk activities
5.
Insurable Interest
- Clear evidence of financial or emotional loss in case of critical illness
3. Disability Coverage
Reliable income replacement that protects your financial stability and lifestyle during unexpected career disruptions, giving you peace of mind when life does not go as planned.
Overview
- What It Is: A financial tool that works as a wage replacement strategy providing monthly income if an illness or injury prevents you from working. Unlike Critical Illness, this ensures you can continue to meet everyday financial commitments over an extended period.
- How It’s Implemented: If you’re deemed unable to work due to a disability, monthly payments are disbursed to replace lost income, typically covering a significant percentage of your pre-disability earnings.
- Practical Benefits: Protects your lifestyle and financial stability by ensuring consistent income to pay for essentials like mortgages, school fees, or daily living expenses.
- Scenario: After a car accident left Idris unable to work for several months, his Disability Coverage provided a reliable income stream, allowing him to keep his family’s financial goals on track without missing a beat.
Our Enhanced Services
- Personalized pre-assessment with disability underwriters to align coverage with occupation and income
- Streamlined medical and occupational evaluations conducted at your convenience
- Priority processing with preferred relationships at leading carriers
- Accelerated processing through preferred relationships with top insurance carriers
- Dedicated claim support for efficient benefit disbursement during periods of disability
Processing Times
Initial Consultation
1-2 weeks
Illustration & Design
1-2 weeks
Application Submission
1 week
Underwriting Process
4-8 weeks
Policy Approval & Placement
1-2 weeks
Requirements
1.
Proof of Legal Residency
2.
Medical Underwriting
- Completion of a health questionnaire specific to disability risk
- Medical exams (e.g., blood tests, urine tests, physical exams) as required
- Review of medical history and records from healthcare providers
3.
Occupational Underwriting
- Detailed information about job duties, income, and working environment
- Verification of self-employment income or business financials, if applicable
4.
Financial Justification
- Proof of income to determine coverage amount (e.g., pay stubs, tax returns)
- Justification for additional riders or premium coverage levels.
5.
Insurable Interest
- Evidence of income dependence and financial loss risk in case of disability
4. Family Trusts and Estate Freezes
A strategic approach to minimize taxes and preserve family wealth for future generations.
Overview
- What It Is: A family trust is a legal structure that protects family wealth. The estate freeze locks in the current value of your assets, such as shares or properties, and allocating future growth to the next generation. Combined, they function as a proactive estate planning strategy.
- How It’s Implemented: Through collaboration with legal, financial, and accounting professionals, this strategy is designed to establish protective structures and ensure compliance with regulatory and tax frameworks.
- Practical Benefits: Reduces tax burdens on wealth transfer, ensures smooth intergenerational transitions, and maintains control of your financial legacy.
- Scenario: After expanding his Toronto-based tech company, Marco worked with financial advisors to implement an estate freeze and family trust. By converting his shares into preferred shares and transferring future growth to his children, Marco ensured the business’s value could grow tax-efficiently, protecting his family’s wealth and legacy.
Our Enhanced Services
- Expert guidance on structuring family trusts tailored to unique family dynamics and financial goals
- Comprehensive tax planning to optimize the benefits of estate freezes
- Collaboration with legal and tax professionals to ensure compliance and maximize effectiveness
- Ongoing monitoring and adjustments to reflect changes in family or financial circumstances
Processing Times
Initial Consultation
2-3 weeks
Trust and Freeze Design
3-4 weeks
Implementation with Legal Professionals
4-6 weeks
Review and Adjustment Period
Ongoing (as needed)
Requirements
1.
Professional Collaboration
- Engagement with legal counsel for drafting trust agreements and estate freeze documentation
- Coordination with accountants or tax professionals for valuation and tax optimization
2.
Asset Valuation
- Comprehensive appraisal of assets subject to the estate freeze, such as business shares or investment portfolios
3.
Trust Establishment
- Legal creation of a family trust with clear terms for asset management and distribution
- Identification of trustees and beneficiaries in line with the family’s objectives
4.
Freeze Execution
- Transfer of growth assets into the trust, freezing the value of the estate at current levels
- Issuance of preferred shares or other instruments to ensure ongoing control for the current owner
5.
Ongoing Maintenance
- Regular reviews of the trust and freeze to adapt to changes in tax laws, family needs, or business circumstances
5. Philanthropy and Charitable Giving
Transform your wealth into a tax-smart giving strategy, creating a lasting legacy while maximizing your social impact.
Overview
- What It Is: A personalized financial strategy designed to align your wealth with your values, enabling you to make meaningful contributions to causes that matter most while benefiting from tax advantages.
- How It’s Implemented: We work with you to establish trusts, donor-advised funds, or direct giving programs tailored to your philanthropic goals. By leveraging charitable tax credits and exemptions, we ensure your giving is impactful and financially efficient.
- Practical Benefits: Creates a lasting legacy, reduces tax liabilities, aligns wealth with personal values, and supports social and environmental causes.
- Scenario: Sofia, a successful entrepreneur, wanted to support educational initiatives while planning her estate. By setting up a donor-advised fund, she directed funds to schools she cared about while receiving immediate tax benefits. Her contributions left an enduring mark on the community and preserved wealth for her heirs.
Our Enhanced Services
- Strategic planning to align charitable goals with financial and estate plans
- Assistance in setting up private foundations or donor-advised funds
- Guidance on tax-efficient gifting strategies, including appreciated assets and life insurance
- Collaboration with legal and tax professionals to ensure compliance and maximize benefits
- Ongoing monitoring of philanthropic plans to adapt to changing circumstances
Processing Times
Initial Consultation
2-3 weeks
Charitable Strategy Design
3-4 weeks
Implementation with Legal and Tax Professionals
4-6 weeks
Ongoing Monitoring and Adjustments
Annual or as needed
Requirements
1.
Charitable Goals
- Identification of causes or organizations to support
- Clarity on the desired level of involvement (e.g., direct donations, creating a foundation)
2.
Tax Planning
- Evaluation of tax benefits related to charitable contributions
- Calculation of optimal donation amounts to balance tax savings and personal financial goals
3.
Gifting Options
- Selection of assets to donate, such as cash, securities, or real estate
- Structuring life insurance policies or other instruments for planned giving
4.
Legal and Financial Collaboration
- Engagement with legal professionals for foundation setup or gifting agreements
- Coordination with accountants for tax filings and compliance
5.
Ongoing Review
- Annual review of philanthropic strategies to ensure alignment with personal and family goals
- Adjustment of plans based on changes in tax laws or financial circumstances
For Your Business
02
1. Using Life Insurance as a Corporate Vehicle
A sophisticated tool for ensuring business liquidity and reducing corporate tax liabilities, so your company can thrive and your vision is safeguarded.
Overview
- What It Is: A strategic financial tool that uses life insurance to build liquidity, manage business risks, and offer tax-smart advantages for corporations.
- How It’s Implemented: The business allocates retained earnings to fund the policy and bolster its balance sheet. Over time, the policy builds cash value, which can be accessed for business needs such as operations, expansion, or emergencies. In a claim event, the tax-free payout provides essential liquidity to support operations or transitions, as well as generate CDA credits.
- Practical Benefits: Enhances financial stability, protects stakeholders, reduces tax liabilities, and supports business growth.
- Scenario: When Naveen, the founder of a thriving tech firm, unexpectedly passed away, his company faced an urgent shareholder buyout to maintain stability. Fortunately, a corporate-owned life insurance policy had been strategically implemented, funded through retained earnings. The tax-free payout provided immediate liquidity to facilitate the buyout, ensuring smooth ownership transition, safeguarding the firm’s operations, and protecting its financial health during a critical time.
Our Enhanced Services
- Tailored strategies for integrating life insurance within corporate financial plans
- Expert collaboration with tax and legal advisors to optimize tax benefits
- Structuring policies to ensure seamless business succession and creditor protection
- Ongoing monitoring to adapt coverage to business growth and changing tax regulations
Processing Times
Initial Consultation
1-2 weeks
Illustration & Strategy Design
1-2 weeks
Application Submission
1 week
Underwriting Process
4-8 weeks
Policy Approval & Placement
1-2 weeks
Requirements
1.
Corporate Documentation
- Proof of incorporation and legal standing
- Financial statements and tax returns to justify coverage amounts
2.
Medical Underwriting
- Completion of health questionnaires for insured individuals
- Medical exams (e.g., blood tests, urine tests) as required
- Review of medical and family health history
3.
Financial Justification
- Valuation of corporate liabilities, including loans and key person contributions
- Assessment of potential tax savings and funding needs for shareholder agreements
4.
Ownership and Beneficiary Structure
- Clear designation of corporate ownership of the policy
- Coordination of beneficiaries to align with business goals (e.g., funding buy-sell agreements, retaining key employees)
5.
Ongoing Management
- Regular policy reviews to ensure continued alignment with corporate financial strategies.
- Adjustments to coverage based on changes in business valuation, debt obligations, or tax laws.
2. Funding Buy/Sell Agreements
A framework to ensure seamless business transitions, protecting ownership and preserving partnerships during key changes, creating stability during pivotal changes.
Overview
- What It Is: A legal and financial arrangement that ensures smooth business ownership transitions in the event of a partner’s departure, disability, or passing, safeguarding the company’s future.
- How It’s Implemented: We collaborate with legal and financial experts to structure agreements funded by life insurance or other financial instruments. These agreements provide liquidity for buyouts, valuation methods, and timelines to protect all parties involved.
- Practical Benefits: Maintains business stability, ensures fair valuation, protects partnerships, and provides liquidity to fund transitions.
- Scenario: When Elisa, co-owner of a family-run manufacturing business, passed unexpectedly, the buy/sell agreement funded by a life insurance policy enabled her partners to buy her shares without draining company reserves. The agreement avoided conflict and kept operations running seamlessly.
Our Enhanced Services
- Customized solutions to fund buy/sell agreements with tax-efficient life insurance strategies
- Expert collaboration with legal and tax professionals to structure agreements and policies
- Expedited underwriting and policy placement to minimize delays in implementing agreements
- Ongoing monitoring to ensure coverage remains aligned with business valuation and partnership changes
Processing Times
Initial Consultation
1-2 weeks
Illustration & Strategy Design
1-2 weeks
Application Submission
1 week
Underwriting Process
4-8 weeks
Policy Approval & Placement
1-2 weeks
Requirements
1.
Buy/Sell Agreement
- A legally binding agreement outlining the terms for transferring ownership in the event of a partner's death, disability, or retirement
- Coordination with legal counsel to ensure the agreement aligns with business objectives
2.
Business Valuation
- Accurate appraisal of the business to determine the required coverage amount
- Regular updates to valuation to reflect business growth or changes
3.
Medical Underwriting
- Health questionnaires and medical exams for insured partners or shareholders
- Review of medical history to assess insurability
4.
Policy Ownership and Beneficiaries
- Structuring policies to ensure alignment with the agreement (e.g., corporate-owned, cross-owned, or trust-owned policies)
- Clear designation of beneficiaries to fund the buyout process
5.
Ongoing Policy Management
- Annual reviews of policy performance and coverage amounts
- Adjustments to reflect changes in ownership structure, business valuation, or tax laws
3. Key Person Insurance
A financial safeguard for your company, protecting operations and minimizing risks in the event of losing a vital team member.
Overview
- What It Is: A life or disability insurance policy designed to protect a business from financial losses caused by the death or incapacitation of a key executive or team member.
- How It’s Implemented: The business identifies critical employees whose contributions are essential to operations. A policy is purchased with the business as the beneficiary, ensuring funds are available to cover recruitment costs, lost revenue, or other financial impacts.
- Practical Benefits: Safeguards business continuity, minimizes financial disruption, and ensures the company remains operational during transitions.
- Scenario: When Amir, the lead engineer of a cutting-edge AI startup, unexpectedly passed away, the company used the payout from its key person insurance policy to hire a top-tier replacement immediately and sustain its product development timeline without compromising business goals.
Our Enhanced Services
- Tailored key person insurance strategies to safeguard businesses against the loss of essential personnel
- Collaboration with tax and legal advisors to ensure policies are structured for maximum efficiency
- Expedited underwriting and placement to minimize delays in securing coverage
- Ongoing monitoring to adapt policies as business structures and key personnel evolve
Processing Times
Initial Consultation
1-2 weeks
Illustration & Strategy Design
1-2 weeks
Application Submission
1 week
Underwriting Process
4-8 weeks
Policy Approval & Placement
1-2 weeks
Requirements
1.
Identification of Key Personnel
- Assessment of individuals critical to the business's success (e.g., executives, founders, or top salespeople)
- Justification for their contribution to business operations and revenue
2.
Business Valuation
- Calculation of the financial impact of losing a key person to determine appropriate coverage amounts
- Regular updates to reflect changes in business size or revenue
3.
Medical Underwriting
- Health questionnaires and medical exams for the insured key individual(s)
- Review of medical and family health history to assess insurability
4.
Policy Ownership and Beneficiaries
- Structuring policies with the business as the owner and beneficiary
- Ensuring benefits are used to offset losses, recruit replacements, or stabilize operations
5.
Ongoing Policy Management
- Annual reviews of policy performance and coverage levels
- Adjustments to reflect changes in key personnel or business valuation
4. Corporately-Owned Living Benefit Plans
A tailored solution that provides employee support during critical times while optimizing corporate tax structures.
Overview
- What It Is: A corporate-funded insurance solution with many tax advantages providing living benefits, such as critical illness or disability coverage, to support employees during significant life challenges.
- How It’s Implemented: The business funds the policy premiums, choosing coverage tailored to the workforce. In the event of a claim, the policy provides financial support directly to the impacted employee while offering potential tax advantages to the corporation.
- Practical Benefits: Boosts employee morale and loyalty, enhances retention, and ensures critical support during life-altering events—all while optimizing corporate tax strategies.
- Scenario: When Lucia, a senior marketing executive at a mid-sized firm, was diagnosed with a severe illness, the living benefit plan ensured she received substantial financial support during her treatment, reducing stress for her and her family while allowing the company to demonstrate its commitment to employee well-being.
Our Enhanced Services
- Customized living benefit plans tailored to the needs of businesses and their key employees
- Collaboration with tax and legal advisors to optimize corporate ownership and tax benefits
- Streamlined application and underwriting process for timely policy placement
- Ongoing monitoring to ensure the plan aligns with business goals and employee needs
Processing Times
Initial Consultation
1-2 weeks
Illustration & Strategy Design
1-2 weeks
Application Submission
1 week
Underwriting Process
4-8 weeks
Policy Approval & Placement
1-2 weeks
Requirements
1.
Corporate Documentation
- Proof of incorporation and corporate ownership of the plan
- Financial statements to justify coverage levels and premium affordability
2.
Identification of Covered Employees
- Assessment of employees eligible for the plan (e.g., executives, key personnel)
- Determination of benefit amounts based on roles and contributions
3.
Medical Underwriting
- Health questionnaires and potential medical exams for insured individuals
- Review of medical history to assess eligibility and determine premiums
4.
Policy Structuring
- Clear designation of the corporation as the policy owner
- Definition of benefit triggers (e.g., critical illness, disability, or long-term care needs)
- Coordination of payouts to align with business or employee support strategies
5.
Ongoing Management
- Regular reviews to ensure policies remain relevant to employee and business needs
- Adjustments based on changes in employment status, roles, or tax laws
Asset Management
Our asset management approach is guided by discipline, adaptability, and a long-term perspective, ensuring capital is preserved, optimized, and positioned for enduring success. Through measured strategy and unwavering oversight, we transform assets into generational prosperity.
Portfolio Management
01
Client portfolios are actively managed by Marksman Asset Management, a registered Ontario securities dealer, in accordance with regulatory requirements. Fidelity Investments serves as the custodian of record, ensuring the safekeeping of client assets and compliance with industry standards.
1. Family Accounts
Tailored portfolio strategies uniquely designed with an institutional philosophy to grow wealth and preserve financial security for your family across generations.
Overview
- What It Is: Personalized portfolio management tailored to a family’s financial goals, integrating an institutional investment strategy that diversifies based on risk and maximizes long-term growth potential.
- How It’s Implemented: Through our subsidiary, Marksman Asset Management, we work closely with family members to create diversified portfolios that align with risk tolerance and financial objectives. These portfolios are monitored and rebalanced regularly to adapt to market conditions and evolving family priorities.
- Practical Benefits: Supports intergenerational wealth growth, balances risk with opportunity, and provides a disciplined approach to achieving shared family financial aspirations.
- Scenario: Adam realized his financial strategy needed to evolve after significant life changes, including the arrival of his second child and plans to purchase a vacation property. Frustrated with his advisor at a large institution—who failed to adapt his portfolio to these milestones—Amir sought a solution that offered proactive rebalancing, a full-picture approach, and personalized support to align with his shifting priorities.
Our Enhanced Services
- Investment strategies aligned with client goals, ensuring risk suitability and regulatory compliance.
- Comprehensive risk assessment and financial planning in accordance with KYC requirements.
- Direct access to registered portfolio managers for ongoing advice and compliance adherence.
- Regular reporting and portfolio updates to maintain transparency and regulatory alignment.
Account Types
- Registered accounts (RRSP, TFSA)
- Non-registered accounts
Processing Times
Initial Consultation
1-2 weeks
Portfolio Design & Strategy Development:
2-3 weeks
Account Opening & Documentation Submission
2-4 weeks
Portfolio Implementation
1-2 weeks
Ongoing Management & Monitoring
Continuous
Requirements
1.
Client Assessment and Suitability Review
- Evaluation of financial circumstances, risk tolerance, and investment objectives conducted in accordance with regulatory KYC requirements.
- Collection of financial information (income, assets, liabilities, and investment history) to determine investment suitability.
2.
Account Opening and Regulatory Documentation
- Submission of proof of identity and residency, as required under anti-money laundering (AML) regulations.
- Completion of client risk profiling, investment policy statement, and account agreements to ensure compliance with securities laws.
- Disclosure of potential conflicts of interest, fees, and investment risks in alignment with fiduciary obligations.
3.
Investment Funding and Execution
- Bank transfer or transfer of existing investments into the new account
- Confirmation of initial investment amount based on agreed-upon strategy
4.
Ongoing Portfolio Oversight and Compliance Monitoring
- Continuous monitoring of portfolio performance and risk exposures, ensuring adherence to client mandates and regulatory guidelines.
- Annual compliance reviews to assess investment strategy effectiveness and suitability based on evolving client needs.
- Mandatory reporting and disclosure updates provided at regular intervals to maintain transparency and regulatory compliance.
2. Business Accounts
A structured investment approach designed to optimize retained earnings within a risk-managed framework, ensuring liquidity while adhering to regulatory investment policies.
Overview
- What It Is: Strategic portfolio management designed for corporations to optimize retained earnings, balance risk, and drive long-term business growth.
- How It’s Implemented: Through our subsidiary, Marksman Asset Management, our portfolio managers assess your company’s retained earnings and objectives to create a diversified investment strategy. Portfolios are actively monitored and adjusted to meet liquidity needs and ensure alignment with corporate goals.
- Practical Benefits: Enhances the growth potential of retained earnings, provides liquidity for business operations, and optimizes investment returns with a disciplined approach.
- Scenario: When Dominic’s manufacturing company sought to reinvest excess earnings, a tailored portfolio strategy balanced growth and liquidity needs. As market conditions shifted, proactive rebalancing secured consistent returns while supporting operational funding.
Our Enhanced Services
- Institutional-grade investment management tailored to corporate liquidity and long-term growth objectives.
- Ongoing portfolio oversight by registered portfolio managers at Marksman Asset Management, ensuring compliance with investment mandates.
- Independent, conflict-free management with strict adherence to fiduciary duty.
- Transparent performance reporting and periodic risk assessments to ensure investment strategy alignment.
Processing Times
Initial Consultation
1-2 weeks
Portfolio Design & Strategy Development
2-3 weeks
Account Opening & Documentation Submission
2-4 weeks
Portfolio Implementation
1-2 weeks
Ongoing Management & Monitoring
Continuous
Requirements
1.
Regulatory Client Onboarding & Compliance Review
- Business entity verification, beneficial ownership review, and KYC compliance
- Risk profiling assessment and Investment Policy Statement (IPS) documentation
2.
Custodian-Managed Investment Account Setup
- Account opening under a registered custodian (e.g., Fidelity) to ensure secure asset management
- Documentation of investment restrictions, asset class allocations, and risk guidelines
3.
Capital Deployment & Investment Execution
- Funds allocated according to IPS-approved strategy
- Strict adherence to risk controls, ensuring corporate liquidity access as needed
4.
Ongoing Portfolio Oversight & Regulatory Compliance
- Periodic investment reviews and risk assessments
- Compliance-driven performance reporting to align with corporate governance standards
Alternative Investments
02
1. Real Estate Development
Diversify your holdings with exclusive, expertly vetted real estate opportunities across North America to drive sustainable, long-term growth.
Overview
- What It Is: A specialized opportunity to invest in high-value real estate projects, including residential, commercial, and mixed-use developments, tailored for sustainable growth and long-term profitability.
- How It’s Implemented: Through a rigorous selection process, we and our trusted partners identify exclusive real estate opportunities across North America. Projects undergo thorough due diligence to ensure they align with your financial objectives and risk tolerance.
- Practical Benefits: Provides a tangible, income-generating asset class to diversify your portfolio while offering tax advantages and capital appreciation potential.
- Scenario: When Alex sought to diversify his portfolio beyond traditional equities, our team, in collaboration with expert real estate partners, guided him toward a mixed-use development project in one of Toronto’s growing neighbourhoods. This investment not only provided regular rental income but also grew significantly in value, positioning Alex for even greater opportunities in the future.
Our Enhanced Services
- Access to exclusive real estate development projects in Canada and the United States
- Tailored investment strategies aligned with risk tolerance and financial goals
- In-depth due diligence and market analysis to evaluate opportunities
- Ongoing reporting and updates to track project progress and returns
Processing Times
Initial Consultation
2-4 weeks
Opportunity Assessment & Strategy Design
8-12 weeks
Investment Documentation Submission
2-4 weeks
Funding & Commitment
12-18 months
Project Monitoring & Reporting
Continuous (based on project timeline)
Requirements
1.
Eligibility
- Accreditation as an investor, if required by jurisdiction (e.g., high-net-worth or institutional investor status)
- Minimum investment amounts depending on the project and location
2.
Initial Consultation
- Assessment of financial goals, risk tolerance, and investment horizon
- Review of existing investment portfolio to determine suitability
3.
Opportunity Assessment
- Detailed review of available real estate development projects, including location, developer reputation, and projected returns
- In-depth analysis of project timelines, funding structure, and exit strategies
4.
Investment Documentation
- Submission of all required documents, including proof of accreditation, legal agreements, and funding sources
- Completion of Know Your Client (KYC) and anti-money laundering (AML) checks
5.
Funding the Investment
- Transfer of committed funds to the designated escrow or project account
- Confirmation of funding and allocation to the selected development opportunity
6.
Ongoing Project Monitoring
- Regular updates from project managers, including construction progress, financial performance, and market conditions
- Semi-annual or annual review meetings to assess project status and anticipated returns
7.
Exit Strategy
- Execution of exit strategies upon project completion (e.g., sale, rental, or further investment opportunities)
- Distribution of returns and review of future investment opportunities
3. Long-Term Healthcare
Invest in tax-smart opportunities within Canada’s healthcare sector, addressing the rising demand of an aging population while generating solid returns.
Overview
- What It Is: Strategic investments in healthcare infrastructure, focused on addressing Canada’s aging population, offering tax advantages and reliable financial returns driven by growing market demand.
- How It’s Implemented: We collaborate with specialized partners to identify healthcare projects, such as long-term care facilities and retirement communities, evaluating their potential for operational sustainability, financial growth, and alignment with market trends.
- Practical Benefits: These investments offer stable, tax-efficient returns while diversifying your portfolio with income-generating assets. By leveraging the increasing demand for healthcare services, they provide consistent financial growth backed by professional evaluation and due diligence.
- Scenario: Sophia invested in a retirement community project in Vancouver, designed to meet growing demand among Canada’s aging population. With strong tenant interest and government support for senior care, the investment offered her steady, tax-efficient returns and a foothold in a thriving market.
Our Enhanced Services
- Access to exclusive opportunities in the long-term health care and senior living sectors
- Tailored investment strategies designed to balance risk and return with a focus on societal impact
- Comprehensive due diligence on facility management, location, and market demand
- Ongoing reporting and performance updates to ensure transparency and accountability
Processing Times
Initial Consultation
1-2 weeks
Opportunity Assessment & Strategy Design
8-12 weeks
Investment Documentation Submission
2-4 weeks
Funding & Commitment
8-12 months
Project Monitoring & Reporting
Continuous (based on investment timeline)
Requirements
1.
Eligibility
- Accreditation as an investor, if applicable (e.g., high-net-worth or institutional investor status)
- Minimum investment amounts depending on the project or portfolio
2.
Initial Consultation
- Review of financial goals, risk tolerance, and interest in socially impactful investments
- Assessment of existing portfolio to ensure suitability for long-term health care investments
3.
Opportunity Assessment
- Detailed analysis of investment opportunities, including:
- Facility locations and demographic trends
- Developer or operator track record and reputation
- Expected returns and market demand for senior care services
- Review of projected timelines and exit strategies
4.
Investment Documentation
- Submission of required documents, such as accreditation proof, legal agreements, and funding details
- Completion of Know Your Client (KYC) and anti-money laundering (AML) compliance
5.
Funding the Investment
- Transfer of committed funds to the designated escrow or project account
- Confirmation of funding and allocation to the selected health care or senior home project
6.
Ongoing Monitoring
- Regular updates from operators or project managers, including financial performance, occupancy rates, and market trends
- Annual or semi-annual review meetings to assess investment status and potential for additional opportunities
7.
Exit Strategy
- Execution of exit strategies upon project completion or asset sale
- Distribution of returns and identification of future opportunities in the sector
Group Plans
A well-optimized group plan is more than a benefit—it is a commitment to those who drive success. Thoughtfully designed employee health benefits and group RRSPs enhance retention, support well-being, and reinforce financial security. With precision and care, we create plans that align employer and employee long-term interests.
Employee Health Benefits
01
Develop a comprehensive benefits plan to attract, retain, and empower your workforce, so your employees feel valued and your business thrives.
Overview
- What It Is: A tailored suite of employee health insurance options, including fully insured plans, self-insured (ASO) arrangements, and hybrid models, designed to address the unique needs of your workforce while balancing cost-efficiency for your business.
- How It’s Implemented: We collaborate closely with carriers and providers, leveraging our relationships to craft customized health benefits plans. This process involves assessing workforce demographics, industry standards, and budgetary constraints to deliver maximum value.
- Practical Benefits: Boosts employee satisfaction, reduces turnover, and helps businesses manage costs effectively while providing meaningful health support.
- Scenario: Lucas, the CEO of a growing Toronto-based logistics company, was struggling to retain talent in a competitive market. After implementing a hybrid health benefits plan tailored to his team’s diverse needs through our close partnerships with carriers, employee satisfaction and retention improved significantly, allowing the company to maintain operational continuity and attract top-tier talent.
Our Enhanced Services
- Customized group benefits plans tailored to the unique needs of organizations and their employees.
- Collaboration with insurers to secure competitive rates and comprehensive coverage.
- Seamless onboarding and communication to ensure employees understand their benefits.
- Ongoing plan management with regular reviews and updates to align with organizational goals.
Processing Times
Initial Consultation
1-2 weeks
Plan Design & Proposal Development
2-4 weeks
Plan Implementation
3-6 weeks
Ongoing Plan Management & Reporting
Continuous
Requirements
1.
Organizational Assessment
- Evaluation of company size, industry, and workforce demographics
- Identification of employee needs and preferences through surveys or focus groups
- Budget review to determine affordability and sustainability of benefits
2.
Plan Design
- Selection of benefits, such as:
- Health and dental coverage
- Vision care
- Life and disability insurance
- Wellness programs and employee assistance plans (EAPs)
- Comparison of provider options to secure optimal coverage and rates
3.
Documentation & Enrolment
- Submission of required business documentation, such as:
- Proof of business registration
- Employee census data
- Enrolment of employees, including communication of plan details and assistance with application forms
4.
Plan Implementation
- Finalization of contracts with the chosen insurance provider
- Setup of billing, claims processing, and administration systems
- Rollout of employee communication materials to ensure awareness and engagement
5.
Ongoing Plan Management
- Regular reviews of plan performance, employee satisfaction, and cost management
- Adjustments to coverage or providers based on evolving organizational needs
- Comprehensive reporting on usage trends, claims, and plan outcomes
Group RRSPs
02
Implement retirement solutions that enhance workforce satisfaction and retention, offering security and flexibility, so your team feels confident about their future.
Overview
- What It Is: A flexible range of retirement savings plans, including Group RRSPs and pensions, designed to support employee financial well-being while aligning with organizational goals.
- How It’s Implemented: We work closely with carriers and financial institutions to develop tailored retirement packages. This involves analyzing workforce needs, budgetary constraints, and long-term organizational objectives to design plans that balance employer contributions with employee benefits.
- Practical Benefits: Enhances workforce satisfaction and retention by empowering employees with secure, flexible retirement solutions, while optimizing employer tax deductions and costs.
- Scenario: Gabriela, an HR director at a leading Toronto-based pharmaceutical company, was concerned about high employee turnover. By introducing a comprehensive Group RRSP plan through our strategic partnerships, she provided a compelling incentive for employees to stay, fostering loyalty and reducing recruitment costs. Within a year, the company saw a marked increase in employee retention and overall job satisfaction.
Our Enhanced Services
- Tailored Group RRSP solutions aligned with organizational and employee retirement goals
- Assistance with plan setup, including seamless integration with payroll systems
- Comprehensive communication to ensure employees understand and maximize their benefits
- Ongoing management and reporting to track participation and plan performance
Processing Times
Initial Consultation
1-2 weeks
Plan Design & Proposal Development
2-4 weeks
Plan Implementation
3-6 weeks
Ongoing Plan Management & Reporting
Continuous
Requirements
1.
Organizational Assessment
- Evaluation of workforce demographics and retirement savings needs
- Budget review to determine employer contributions, if applicable
- Identification of plan goals, such as boosting participation or aligning with corporate social responsibility objectives
2.
Plan Design
- Development of a customized Group RRSP structure, including:
- Employer contribution matching policies (optional)
- Investment options and fund selection
- Vesting schedules and withdrawal rules
- Comparison of financial institutions or providers to ensure competitive offerings
3.
Documentation & Enrolment
- Submission of required business documentation, including:
- Proof of business registration
- Employee census data
- Enrolment of employees, supported by clear and accessible plan materials
4.
Plan Implementation
- Finalization of contracts with the chosen provider or financial institution
- Setup of payroll integration for automatic contributions and deductions
- Launch of employee education sessions to promote participation and understanding
5.
Ongoing Plan Management
- Regular monitoring of plan participation and contribution levels
- Reviews of investment performance and potential fund adjustments
- Comprehensive reporting on usage trends and plan outcomes
- Assistance with regulatory compliance and updates to plan features
Consistent Results
The Experience of Working With Mansha
A Standard of Care
Responsiveness is not an offering—it is an expectation we uphold without compromise. As a boutique firm, we move with precision, ensuring every request is met with timely, proactive service. From pre-filling forms to anticipating needs before they arise, we simplify complexity and eliminate uncertainty. When it matters most, we are there—so every decision is seamless, every detail accounted for, and every moment respected.
Annual Reviews and Reports
Financial plans are not static; they evolve with the ambitions they support. Our reviews are designed to refine, adjust, and fortify strategies with:
- Performance Oversight: A disciplined evaluation of investment growth and risk exposure
- Strategic Adaptation: Proactive adjustments that respond to economic shifts, tax regulations, and life transitions.
- Actionable Clarity: Concise insights that translate complexity into decisive action.
A Commitment to Protection
Every decision we make is bound by the highest regulatory standards and compliance, ensuring that wealth is managed with integrity and discretion. Our on-going pursuit of ISO 27001 certification underscores our commitment to cybersecurity, protecting not just data, but the legacies entrusted to us. Trust is not a statement—it is a responsibility we uphold in every action.
Wealth as a Legacy, Strategy as an Heirloom
At Mansha Plan, wealth is more than capital—it is the preservation of ambition, the safeguarding of family legacies, and the architecture of a future built with purpose. We do not chase trends; we design strategies that withstand time.
In a world that moves quickly, we remain unwavering—transforming wealth into permanence, aspirations into achievements, and foresight into an enduring legacy.