Business Owners
Secura can provide valuable guidance and support to business owners in various aspects of their financial affairs.
1. Tax Planning and Optimization
Business owners face complex tax considerations. We can work with you and your tax professionals to develop tax-efficient strategies.
2. Income Optimization
Providing guidance on asset allocation, risk management, and investment strategies that align with your goals and risk tolerance.
3. Investment Management
Business owners often have surplus funds that need to be invested wisely. We help to develop an investment strategy that aligns with the business owner’s risk tolerance and goals. This often needs attention both within the corporation and within personal accounts.
4. Retirement Planning
Business owners need to plan for their own retirement. We help to create a retirement plan for the business owner, considering factors such as business valuation, succession planning, and the need to transition ownership. We help business owners determine how much they need to save and invest to achieve their desired retirement lifestyle.
5. Risk Management and Insurance
Business owners need to protect their businesses and personal assets from potential risks. We help evaluate the business owner’s insurance needs to ensure there is the appropriate coverage and the business owner is adequately protected against unforeseen events.
6. Business Valuation and Exit Planning
When business owners are considering selling their business or transitioning it to the next generation, we can play a crucial role. We can help determine an exit strategy that maximizes value and minimizes tax implications.
Physicians / Medical Professionals
Secura provides valuable guidance and support to our doctor clients owners in various aspects of their financial affairs both personally and within their professional corporations.
1. Tax Planning and Optimization
Medical Professionals face complex tax considerations and opportunities. We can work with you and your tax professionals to develop tax-efficient strategies and plans that work for you.
2. Incorporation and Planning Strategies
We work with medical professionals to develop a comprehensive financial plan that aligns with your goals and objectives. We help you determine if incorporation is right for you and how to use this to your benefit in building your plans and strategies.
3. Investment Management
Medical professionals often have surplus funds that need to be invested wisely. We help to develop an investment strategy that aligns with the doctor’s risk tolerance and goals. This often needs attention both within the corporation and within personal accounts.
4. Retirement Planning
Medical professionals must plan for their own retirement. We help to create a retirement plan for the doctor, considering factors such as practice valuation (if applicable), where best to accumulate your wealth and how. We help you determine how much you will need to save and invest to achieve your desired retirement lifestyle.
5. Risk Management and Insurance
Doctors need to protect their practice, ability to earn income and personal assets from potential risks. We help evaluate your insurance needs to ensure there is the appropriate coverage and you are adequately protected against unforeseen events. We also help to determine if there are significant tax efficiencies to combine with your insurance planning.
Family Market / Young Professionals
Secura has financial planners who specialize in the family market, catering to the unique financial needs and goals of families. We provide comprehensive financial planning and advisory services that encompass various aspects of family finances.
1. Comprehensive Financial Planning
2. Risk Management and Insurance
3. Investment Management
4. Estate Planning
Retirees
Secura’s financial planners play a crucial role in helping retirees manage their finances and make informed decisions to ensure a secure and comfortable retirement.
1. Comprehensive Retirement Planning
2. Income Optimization
We assist families in assessing their insurance needs and ensuring adequate coverage for various risks.
3. Investment Management
Providing guidance on asset allocation, risk management, and investment strategies that align with your goals and risk tolerance.
4. Maximizing CPP & OAS Benefits
Maximizing CPP & OAS benefits and pension plans is crucial for retirees. We can analyze different strategies which assess the impact of early or delayed income from CPP. We can help retirees make informed decisions to optimize their income and ensure long-term financial stability.
5. Estate Planning
We can collaborate with estate planning attorneys to help retirees create or update essential documents like wills, trusts, and powers of attorney documents. We provide guidance on legacy planning, tax-efficient wealth transfer, charitable giving, and strategies to minimize estate taxes.
6. Monitoring and Adjustments
We continuously monitor retirees’ financial situations, investment portfolios, and changing market conditions. We provide regular reviews and make necessary adjustments to the retirement plan based on your evolving needs, goals, and external factors.
We have found the process we have been taken through to be very thorough and educational and it has helped immensely in getting us organized and on track with our planning. Secura has integrated our corporate and personal planning so we can build our portfolio and then protect it in the most efficient manner. Having our binder (financial plan), gives us peace of mind that we have a plan and we know what it means for our future and our family. We would definitely recommend working with Secura Financial Group.
Working with Secura has helped us to feel much more comfortable with our investments and finances. They have taken the time to understand what is important to us and helped us develop a plan so we know how much we can comfortably spend, so we can enjoy doing what we want and know that we should always be ok. They are always available to review our plans and investments with us, but if we ever have a worry or concern someone is there to talk with us and we always feel much better after our meetings. They do an excellent job of explaining things in a simple and direct way that relates to our situation. We are always happy to recommend Secura to our family and friends without hesitation.
I had the pleasure of working with Secura Financial Group recently when reviewing options related to an insured asset transfer product. They spent a considerable amount of time explaining the product and developing the scenarios. I liked the conservative approach and the level of detailed analysis into my own financial situation and ultimately the help I received to choose the right product at the right price-point. This is not the only time I have used Secura and I highly recommend working with the Secura team.
Our experience working with Secura Financial Group over the years has been tremendous. Their approach to planning is methodical and very educational. We are very grateful for the help we receive, and would highly recommend Secura Financial Group’s services to anyone.