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What we do

At The Steele Group we apply a time tested approach to financial planning which takes the education from FP Canada with a combined work experience of 35+ years between Cliff, Mario, and Mark. Financial planning is a broad, comprehensive process.

 

It’s this big picture approach that sets professional financial planners like CERTIFIED FINANCIAL PLANNER® professional apart from all other financial advisors who may have been trained to focus only on one aspect of your finances. Here are some of the ways our planning process assists our clients with their financial goals:

Income
Management

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  • Tailoring income streams for client(s)

  • Focusing on short – and long term – tax efficiency

  • Being vigilant on net income figure

  • Engaging all of the actions in layering income

  • Providing specific direction on and integration of other income streams (OAS, CPP, pensions, etc.)

  • Revisiting income needs and income strategy on a year-to-year basis

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Investment
Strategies

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  • Creating portfolios within client risk profile

  • Helping clients select investments and an investment strategy that align with the written plan

  • Providing due diligence on investment and manager selection

  • Monitoring performance

  • Incorporating guaranteed income

  • Striving for tax-efficient

  • investing and income

Asset
Management

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  • Deciding which assets to use and which to defer

  • Funding TSFA accounts

  • Developing an exit strategy for registered accounts

  • Strategically moving corporate capital to personal accounts

  • Delivering a survivor friendly and estate friendly outcome

  • Monitoring the amount of withdrawals and the rate of withdrawals

  • Identifying opportunities to make locked-in accounts more flexible

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Risk
Management

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  • Investment risk

  • Longevity risk

  • Inflation risk

  • Encroachment risk

  • Withdrawal risk

  • Taxation risk

  • Health cost risk