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Personal RSIP Advantage Summary

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Services

Our comprehensive suite of tools ensures peace of mind, no matter what stage of planning you are in

Build it

With the right financial blueprint and the right financial tools, you can start building a secure lifestyle for tomorrow

Education costs are rising significantly…

Education costs are not just tuition – there are residency fees, books, food and extracurricular fees to start. As a parent/grandparent it can be enormously helpful to give your family members a financial leg-up when they need to get ahead.

With a standard RESP you stand to gain a government benefit of 20% but our RSIP Education Strategy can provide a government benefit of up to 46%.

Contact us about the RSIP Education Strategy

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Home ownership is a milestone we all aspire to…

It is a hallmark of independence, self sufficiency and growth. For most, the cost of home ownership comes with the stress of a mortgage and its payments.

Contact us about our Mortgage Reduction Strategy

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Retirement planning is all about maintaining your lifestyle.

Traditional retirement planning is designed to provide cash flow after retirement but it can often fall short of expectations.

Our Retirement Strategic Income Plan (RSIP) can significantly increase your cash flow to exceed your expectations and better meet your retirement lifestyle needs. The RSIP Advantage Number shows the increase in annual cash flow from your RRSP. In most cases this number exceeds 40%.

Retirement planning can be daunting, but the sooner you start the easier it is. WMS advisors work alongside you to craft your personal RSIP strategy that meets your unique expectations.

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Enjoy it

You have worked hard to build a secure lifestyle

Most retired Canadians need more cash flow to maintain their lifestyle

WMS has developed a suite of retirement cash flow strategies. These include the Tax Arbitrage StrategyOAS Clawback Reduction Strategy, and the RRSP Exit Strategy.

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Most Canadians depend on their pension income

Unfortunately most people are unaware of the government rules that restrict pensions.

The capital in many pension plans is locked in and all pension income is 100% taxable.

Our RSIP Pension Strategy will help you to unlock the capital in your pension plan and reduce the taxation of your pension income.

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If you have an RRSP, you have an RSIP Advantage Number

The Retirement Strategic Income Plan (RSIP) can significantly increase the annual cash flow from your RRSP. Your RSIP Advantage Number is your personal increase in cash flow, which in most cases exceeds 40%. Click on the Calculator to get your RSIP Advantage Number and have one of our advisors prepare your personal RSIP Strategy so you can have the financial peace of mind you’re looking for.

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The RRSP is the most popular retirement savings tool in Canada

RRSP’s are designed to provide cash flow after retirement but can often fall short of expectations.

Taxation

Withdrawls are taxed at the highest rate of any form of investment income.

Government Regulation

Government regulations requires you to start RRSP withdrawls at age 72. We feel that this is incompatible with retirement needs because it should be YOUR choice when to start withdrawing from your RRSP.

Find out how our RRSP Alternative can provide the cash flow you need to maintain the lifestyle you’re accustomed to.

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Share it

We can guide you through the important topics when it comes to sharing your wealth

Enhance your legacy to your grandchildren

With education costs growing more and more, grandparents want to help support their grandchildren’s educational aspirations, but are often unaware of the options available to them. With a standard RESP you stand to gain a government benefit of 20% but our RSIP Education Strategy can provide a government benefit of up to 46%.

Grandparents can use the RSIP Education Strategy to help fund grandkids education while receiving an immediate tax benefit and reducing their OAS Clawback. Protect against future adverse tax consequences associated with traditional education plans.

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Expand your legacy with strategic giving

Charitable giving allows you to support your preferred charity and reduce taxes. WMS understands how important it is to support the causes you believe in. We’re here to help.

Let us show you how our charitable giving strategies can work to maximize your charitable giving during your lifetime and as a legacy through your estate.

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Most Canadians are unaware of estate taxes in Canada

The problem with this is that, while there is no formal definition for estate tax, it surprises us in a number of other ways. It could be tax on property, income, rrsp, investments… you name it.

Let us guide you through an effective tax minimization strategy for your estate so you can maximize what you pass on to your successors.

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Don’t leave your loved ones hanging. Pass your financial assets on to the people who matter most

Without proper planning the Canadian Revenue Agency (CRA) may become one of your major beneficiaries. It’s sad but true. Through the use of specialized insurance strategies we can ensure your estate transfers in a tax efficient manner.

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Avoid the emotional stress of family conflict

Inadequate planning often results in unwanted family confusion, distrust, dispute and ultimately conflict. Don’t let succession planning tear your family apart:

It doesn’t have to be that way.

Our experience will guide you on the path of least resistance. We know the biggest problem with succession planning isn’t financial, it’s emotional.

That’s why we created the WMS Family Counsel Strategy. It provides proper communication and education to keep families on the same page during what can be a difficult transition in their lives. Ensuring that assets are distributed fairly is how we help avoid family conflict.

Avoid the emotional and financial headaches of succession planning by making the transition as painless as possible.

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