At Sylvain Morin & Associates Private Wealth Management, financial planning goes beyond numbers—it’s about understanding your unique goals, values, and aspirations. We are committed to helping affluent Canadians navigate the evolving demands of wealth management with a thorough, meticulous approach that looks at your wealth from every angle. Whether you’re transitioning into retirement, building a thriving business, or securing your family’s financial legacy, we ensure that you and your loved ones remain at the heart of every decision.
Pre-retirees and retirees
You’ve spent a lifetime building wealth—now it’s time to protect, grow, and enjoy it. Retirement marks a profound shift, moving from accumulation to preservation and planning. At Sylvain Morin & Associates, we help you adapt to this new phase by addressing critical realities:
- Longevity planning: Living longer is a gift, but maintaining your lifestyle through extended retirement years requires thoughtful strategies.
- Tax management: Minimizing tax burdens becomes essential to protecting your assets over time.
- Life-long income: Creating a tax-efficient income stream requires rethinking traditional investment and withdrawal strategies.
- Legacy building: A well-thought-out plan ensures you can leave behind not just wealth, but a meaningful impact.
We listen carefully, crafting financial plans that let you enjoy the life you’ve worked so hard to achieve, while securing a future you can feel confident in.
Successful professionals
Your career demands focus, energy, and staying ahead in an ever-evolving professional landscape. But as your career grows, so do the complexities of your wealth management needs. At Sylvain Morin & Associates, we understand that your time is limited, and financial planning often takes a back seat.
We offer strategies that simplify your financial life:
- Investment guidance: Opportunities that align with your risk tolerance while offering steady returns.
- Tax efficiency: Setting up Canadian-controlled private corporations to minimize liabilities on active business income.
- Wealth protection: Tools like corporate life insurance to help you save money and safeguard your assets.
We’ll keep your financial goals on track, so you can focus on excelling in your field while building a secure financial future.
Business owners and entrepreneurs
As a business owner, your work is more than a job—it’s your legacy. At Sylvain Morin & Associates, we share your entrepreneurial mindset and understand the complexities of managing personal and professional wealth. Whether you’re launching a startup or preparing to step away from a decades-old business, financial planning is essential for maintaining your lifestyle and building long-term security.
Our expertise includes:
- Succession planning: Crafting a roadmap for the smooth transition of your business, ensuring you reap the rewards of your investment.
- Tax optimization: Structuring holding companies, insurance policies, and other tools to minimize your tax burden.
- Diversification: Creating investment portfolios outside your business to generate income after you step away.
- Employee benefits: Designing benefits packages that attract and retain top talent.
We’ll help you balance today’s demands with tomorrow’s goals, so you can enjoy the success you’ve worked so hard to achieve.
Engineers
As an engineer, your analytical mindset and problem-solving skills drive your success, but managing wealth requires a different kind of expertise. At Sylvain Morin & Associates, we understand the unique challenges and opportunities faced by engineers, from managing variable income to planning for long-term financial security. Whether you’re early in your career, managing a thriving consultancy, or preparing for retirement, we offer financial planning strategies that align with your goals.
Our services include:
- Tax optimization: Engineers often juggle various income streams, including salaries, consulting fees, and dividends. We help you structure your earnings to minimize taxes and maximize savings.
- Investment planning: Creating a diversified portfolio that reflects your risk tolerance and long-term objectives while ensuring consistent growth and stability.
- Incorporation strategies: If you’re consulting independently, we can assist in setting up a Canadian-controlled private corporation to reduce tax liabilities and simplify wealth management.
- Retirement planning: Engineering careers can be demanding, making it critical to build a secure plan that ensures financial freedom when you’re ready to step back.
- Succession and legacy planning: For engineers transitioning out of their own practices or firms, we help create strategies for a smooth exit and legacy preservation.
We take a methodical approach to your financial planning, tailoring solutions to complement your career’s precision and rigor. With Sylvain Morin & Associates, you can focus on designing solutions for the world while we focus on building your financial future.