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  Our Services

WEALTH PLANNING & INVESTMENT SERVICES IN CANADA

At Nour Private Wealth (NPW), we pride ourselves on our integrated team approach to ensure you have the best financial future. When creating personalized wealth management or investment plan for you, we take multiple factors into account to give you the most comprehensive solution possible. These factors include your investment goals, risk tolerance, tax exposure, estate options, and legal considerations.

Although markets rise and fall, our investment strategy ensures you are prepared for any situation. We design portfolios based on your investment objectives, keeping in mind your risk tolerance and cash flow requirements at the same time. Our investment philosophy at NPW is based on the idea that diversification can reduce risk and potentially increase returns. Our team will continuously monitor your portfolio, making adjustments when necessary.

We understand that no wealth plan lasts forever, and several parameters may affect your financial stability. Market conditions, interest rates, tax, and estate laws, are periodically changing, which is why, through frequent client interactions, we prioritize bringing you timely information relating to anything that could potentially affect your wealth plan.

Personal circumstances, which are also frequently in flux, can have a significant consequence on your finances. Therefore, it is vital that our client’s wealth is not negatively impacted by career changes, marriage, retirement, birth, or death. That is why we keep up-to-date with the different stages of your life to incorporate any changes into your dedicated wealth plan.

NPW Wealth Advisors can help you with the following wealth planning services:

Retirement Planning

We all deserve to look forward to our retirement. But to ensure your retirement is comfortable, you need to implement effective retirement planning strategies throughout your life.

Understanding and managing the financial implications of your retirement is one of the most complex economic challenges you will ever face. That is why NPW’s retirement planning services are designed to make the process easier for you and your family.

Our financial analysis begins with analyzing the structure of your retirement savings (registered versus non-registered), projecting your retirement income, and finally, advising you on the tax ramifications of your situation.

The results of this analysis will allow us to:

  • Recommend strategies that best suit your income tax, investment, estate, and cash flow planning situations.
  • Provide you with a retirement lifestyle analysis that will incorporate your sources of income, required and potential spending needs, various economic scenarios, and tax considerations into a long-term cash flow plan.
  • Determine elections for your retirement plans, including lump-sum payouts versus annuities and joint survivor versus single-life distribution arrangements.

Estate Planning

Many people prefer not to think about their mortality. The thought of dying can be daunting, which is why the task of estate planning often falls into the background of someone’s overall financial planning.

The estate planning process encompasses numerous aspects relating to carrying out your wishes after you pass, including legal documentation (such as Power of Attorney and a Will) and preparations for your family. If you become incapacitated due to injury or illness, your Power of Attorney, or Living Will, outlines provisions for managing your finances and medical care.

By creating an estate plan, you have peace of mind knowing that your lifetime’s worth of accumulated assets will be distributed according to your wishes. After a lifetime of diligent investing, proper estate planning will ensure all the hard work you put into building your estate does not go to waste. Our strategy will take care of your needs and eventually pass on your legacy to the next generation.

Proper estate planning requires careful attention to your changing circumstances to ensure your wishes are fulfilled. Elements to be considered in your estate plan include investment planning, taxation, wills and mandates, special conditions, living wills, and trusts.

Tax Planning Services

Tax planning is essential for individuals and families looking to plan their finances in the most tax-efficient manner. In addition, tax planning allows taxpayers to minimize their tax liability by using various tax exemptions, deductions, and benefits. In other words, it is a cumulative effect of different income tax planning techniques, such as income splitting, Registered Retirement Savings Plan (RRSP) contributions, and private pension options.

Your tax strategies play a significant role in your overall wealth plan. This is why utilizing the tax planning services of wealth management experts at NPW is essential not only in ensuring your financial stability but also in maximizing the after-tax legacy you leave to your estate. At NPW, we regularly review the impact tax may have on your retirement accounts and non-registered portfolio holdings.

Our vast knowledge of complex Canadian tax laws and their potential impacts on your circumstances help us ensure your portfolio’s tax burden is minimized. To enhance our expertise in taxation, we routinely utilize tax lawyers to construct an ideal wealth plan for each client. These services include but are not limited to: incorporating professionals, family trusts, spousal trusts, holding companies, and estate freezes.

Contact us today to learn more about how NPW Wealth Advisors can help you and your family benefit from our wealth planning services.

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