Integrated Wealth Services

At Stonegate, we look at your entire wealth picture – not just investments – and provide coordinated strategies on all aspects of your life that impact your financial well-being. Depending on your unique needs, your comprehensive wealth plan can offer strategies in a wide range of areas.

Retirement planning…Be confident

Being confident in your retirement means knowing that your wealth will last for your lifetime and beyond. Together, you and your Stonegate advisor will discuss the lifestyle you want and consider your future needs along with your sources of income during retirement.

We will help you optimize your retirement plan by recommending strategies for supplementary retirement income, managing risk and maximizing tax efficiency, and can also provide counsel around complex issues such as ceasing Canadian residency and retiring abroad. A well-planned retirement is a time of freedom for you to enjoy.

Tax planning... Minimize your liability

It's a fact of life: the more you have, the more you have to pay. Working with your professionals and looking at your overall wealth picture, our wealth planning team strives to reduce your tax liabilities with strategies such as trusts, endowments, estate freezes and/or business restructuring.

The tax effectiveness of your investments is addressed through tax optimization in our investment pools and the use of tax-advantaged investment structures. As you know – it's not so much what you make that counts. It's what you keep.

Insurance... Protection, investment and tax reduction

Many people view insurance with scepticism. But the fact is that insurance can play a valuable role in achieving a wide range of objectives.

Our insurance specialists will explore all the ways that insurance can assist you in reaching your personal and business goals, including protecting your family and business, tax-sheltering investments, supplementary retirement income, planning your business succession and offsetting estate taxes so that your beneficiaries can keep treasured assets intact.

Estate planning... Maximize your legacy

You can't take it with you. But you can decide where it will go, and how smooth the transfer will be. Our team of professionals work with you to structure your personal, family and business interests so that your wishes are carried out in the most effective way, passing along more to your beneficiaries and less to the government.

Our experience shows that careful planning is essential for a smooth and stress-free transition of your assets to the next generation.

Charitable giving... Bringing your philanthropic vision to life

Your Stonegate advisor can help you develop a personal strategy to bring your philanthropic vision to life. We work with you to decide the best way to structure your gift – what type of property will be gifted, who will benefit and when, as well as any tax benefits that may result from your charitable gift.

We consult with your tax and legal counsel as well as charitable organizations and foundations to identify and implement solutions that best fit your overall philanthropic objectives, including bequests, charitable trusts or private foundations.

Business exit planning... The culmination of your hard work

You've worked hard to build your business. And you deserve to be well compensated for your time and energy upon retirement. Expertise and planning is the key.

Let us work with you to identify options that will give you flexibility and control on how and when you leave the business, while ensuring that all stakeholders’ interests are respected. We can help to maximize the proceeds of a sale with strategies to enhance the value of your business as well as minimize, defer or eliminate taxes. With proper planning and communication and a clearly structured succession plan, you can minimize stress and the risk of family discord during this important transition.

Portfolio design... Tailored to you

Your needs are unique. That's why we work with our portfolio engineering team to build a portfolio customized to your specific objectives, risk sensitivity, liquidity requirements, time horizon, growth expectations and life circumstances. Using sophisticated models and technology, our team strives to maximize your return potential while remaining within your comfort zone for risk. Your portfolio is designed to protect capital in difficult markets while achieving growth in rising markets.

Your recommended portfolio is detailed in your personal Investment Policy Statement, and then implemented with a broad range of quality investments. Automatic rebalancing and tax minimization strategies are built right into your investment plan.

Money management... access to award-winning managers

You want to know your money is being invested by portfolio managers who are among the best in their field.

At Stonegate, we manage your portfolio using award-winning institutional money managers known for their strategic focus, consistent discipline and long-term track record of investing in Canada and around the world.

Each manager shares our disciplined philosophy, approach to risk management and high ethical and professional standards. They bring a wealth of expertise and experience to your portfolio, together managing in excess of one trillion in total assets. Once selected, our investment consulting team monitors the managers on an ongoing basis to ensure they perform effectively on your behalf.

Health solutions... Living better for longer

At Stonegate, we are much more than an investment firm. We complement our extensive suite of wealth management solutions with access to expert health care counsel.

Advanced diagnostic technologies and treatments, specialized referrals and personalized lifestyle and wellness expertise are just some of ways you can benefit from Stonegates relationship with pre-eminent medical facilities such as the MedCan Clinic, which specializes in preventative health care for executives, and the Cleveland Clinic, one of North America's top-ranked hospitals and the leader in heart care.

It's another example of our commitment to providing holistic solutions which encompass aspects of your life that can impact your wealth and the enjoyment of it.