1. Independent approach to investing
2. Personalized to clients individual needs
3. Big picture view to meet objectives
4. Well-constructed, strategic portfolios
5. Transparency in process & fee structure
A financial plan can provide you and your family with the peace of mind that comes from knowing that you have not only given thought to your future, but have taken steps towards it. We have the tools and resources to guide you through the financial planning process.
During your financial planning Process, you typically have two phases: The Accumulation phase and the Decumulation phase.
The Accumulation phase are the years that you spend saving up for retirement.
The Decumulation phase typically are the years when you turn your pension assets and other retirement accounts into income generating accounts and you start drawing from those accounts for your retirement income. For example, an RRSP turning into a RRIF.
At Bluesky Investment Counsel, we work with you to create a financial plan that will help you efficiently structure both phases so that you are not necessarily saving for retirement more than you need or want, and you are not withdrawing more than you should during retirement.
Planning for a smooth transition of your assets to family members requires a thoughtful estate plan based on your personal values and goals. BlueSky Investment Counsel can help you navigate a wide range of issues and we can also offer guidance and advice on tax strategies and how to reduce the impact of market risks and potential family disputes —both now and when your estate is settled.
We can also assist you with your charitable donations and planned giving to the charity of your choice.
We work with our clients to help them structure tax efficient strategies whether it is for long term accumulation or during their income years in retirement.
We work cooperatively with our clients’ accountants to provide a package to easily facilitate filing tax returns.
We have also partnered with various accounting firms to help our individual or corporate clients navigate their dealings with the Canada Revenue Agency.
Whether saving for retirement or a child’s post-secondary education, registered accounts are a tax-effective addition to any investment portfolio. We offer the following registered account options for our clients: RRSPs, RRIFs, RESPs and TFSAs.
We also structure and manage non-registered investment accounts in a tax efficient manner for our clients.