We offer a variety of services to build and manage your wealth:
- Retirement planning: What does your retirement dream look like? At SFC Financial, we help our clients work towards these dreams to ultimately realize them. We do this by determining how much is needed to achieve your ultimate retirement goals and structuring an optimal portfolio of sources for retirement income. Thorough tax planning forms an integral part of this process to ensure our clients’ retirement plans stay optimized
- Tax planning: By staying up to date with the impact of the latest tax law changes, we can ensure that your short- and long-term financial planning stays compliant, tax-efficient and – most importantly − on track.
- Cash Flow Planning: If you need help to allocate income into different streams to cover your monthly expenses, we are here to help. As elementary as this process may seem, it's important to bear in mind that optimizing your cash flow will enable you to fund your long-term financial goals.
- Trust & Estate Planning: As your personal, trusted advisor, we can help you review your estate matters to help you set up a trust to preserve your assets for the next generation and reduce tax liability. We can assist in ensuring that all your documents are up to date and that your wishes are respected in the event of your passing or incapacitation.
- Risk Management: It's important to be mindful of any unforeseeable risks that may jeopardize your financial well-being. We will be able to assist in identifying short- and long-term solutions that will protect your assets during any unexpected events.
- Charitable Planning: There are many aspects to consider − especially when it comes to taxes − and we can help you understand how properly structured philanthropic gifts can provide current benefits for both the donor and the charity.
- Education Planning: We can help you provide your children with a financial headstart by explaining all the available savings strategies to see them their post-secondary education. There also are many tax credits and deductions to consider.
- Planning for Business Owners: We can help you put your business in the proper form or entity, implement tax-efficient retirement plans and allocate employee benefit packages. As a business owner, we can also assist with the integration of your personal financial goals and strategy.
- Debt Management: As part of our commitment to keep your finances in shape for today and the future, we are here to help you budget, analyze and restructure your debts and create a long-term plan to ultimately be free of debt.
- Financial Goal Setting: The financial process is inherently based on the principle of financial goal setting, which could be seen as the building blocks of any of our tailor-made financial plans. But the future may seem abstract or uncertain – and we can help you identify realistic goals to pave your road to financial stability and success.