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Financial Strategy Services

Take a moment. Think about your life. Very likely you have many accomplishments under your belt.

So what is it you still want to achieve? World travel? A home renovation? Send your kids to school? Shift gears for a second career? Retire in comfort? Leave a legacy in the form of a scholarship?

You’d be surprised that with a bit of planning you can make your dreams a reality.

Toronto Investment Advisor Adam McHenry helps you create a financial strategy for your hopes and dreams  for your life, work and family. Based on your goals Adam custom tailors strategies that allow you to savour the present, but plan for the future.

Investment Planning

It’s not just about saving for a rainy day anymore.

Effective investment planning can provide the resources to do the things you want, like buying a cottage or turning a dream vacation into a reality.

Adam takes your life goals and risk profile into consideration before creating a custom-tailored investment strategy that is rooted in time-tested financial strategy principles. Designed to maximize after-tax returns while managing risk, he ensures that your money keeps working for you far beyond your retirement. Smart investment planning enables you to relax and enjoy life, while planning for whatever comes next for you and your loved ones.

In addition to Adam's investment planning expertise, he provides his clients with the highest level of personalized service.

Your personalized investment plan may include a mix of stocks, RRSPs, RESPs, Mutual Funds or ETFs. Adam can help you with:

  • Portfolio analysis
  • Investment solutions (mutual funds, stocks, bonds, ETFs)
  • Registered Savings Accounts (RRSP, RRIF/LIFs, RESPs, TFSAs, RDSPs)
  • Guaranteed investments (GIC, Deposit accounts, Annuities)

Estate Planning

In essence, estate planning is a way to care for your loved ones when you’re not there to provide for them in person.

Adam McHenry can help you identify and achieve your estate planning objectives so that you can pass on your assets in a way that is aligned with your values and dreams.

Estate planning establishes security for loved ones and provides long-term care for someone with special needs. It also ensures your legacy is directed properly to inheritors and other beneficiaries, such as charities.

Proper estate planning makes a difficult situation easier for your loved ones. As well, a solid estate plan:

Provides for your family if you die or become disabled
Streamlines the executor’s job minimizing settlement delays
Reduces taxes and probate fees to maximize the amount beneficiaries receive
Designates a person to make medical decisions for you if you cannot

Estate Planning Checklist

Do you have:

  • An up-to-date will, power of attorney and living will?
  • A chosen executor for your estate?
  • A guardian for minor children?
  • A plan for special needs children?
  • Healthcare directives?
  • A list of your assets and where they are located?

Retirement Planning

Many people wonder how much money they need to generate an income for the rest of their lives.

Adam’s retirement planning services are designed to give you the financial freedom you want to enjoy your retirement fully. He’ll help you plan financially for the likely scenarios—and the unlikely ones.

Yet retirement planning isn’t just about money. It’s also about lifestyle and making retirement the best years of your life. Whether you want to travel or build your legacy, your retirement plan is there to make your post-work life exciting and richly rewarding. Adam will walk you through the process of designing a vision for your retirement, ensuring that it reflects your values, priorities and goals.

With over 10 years of experience, clients have come to depend on Adam for fresh, unbiased perspectives and solid retirement planning advice and counsel.

Adam’s retirement planning services include:

  • Helping you to clarify your retirement wants and needs
  • Creating strategies for meeting your retirement goals
  • Calculating your projected retirement income
  • Examining company pension options
  • Maximizing government benefits
  • Ongoing monitoring and adjusting of your retirement plan

As well, you can expect regular updates of your retirement plan so that you always have a sense of your progress and any important steps to taken as you continue to move forward.

Financial Strategy for Entrepreneurs & Self-Employed

More than 15% of the workforce in Canada—2.7 million people—are self-employed.

Working for yourself reaps huge rewards. But there can also be unique challenges related to saving for retirement, taxation and retirement planning.

No business is too small to consider such matters as tax-effective investing, individual pension plans or business succession to family or partners. Working with Adam you can reduce stress around money and your financial future.

Adam's financial strategy process is designed to help business owners and self-employed workers assess their risks, plan their future and implement solutions to maximize their bottom line.

Here are just a few ways Adam’s financial strategy services will help you and your business:

  • Integration with personal planning
  • Tax effective investing
  • Business succession (buy/sell agreements)
  • Group benefit and retirement plans

Insurance

Life, disability, critical illness and long-term care insurance provide security for yourself, your loved ones or your partners.

Insurance is often the difference between protecting your family financially or leaving them vulnerable. But with so many insurance options out there, how do you know which one is right for you?

Adam can help you choose the life insurance option that meets your needs. He’ll ensure that you are neither over-insured nor under-insured.

Based in Toronto, Adam offers insurance solutions that match your lifestyle and needs. He’ll help you compare policies and make the right decision concerning:

  • Life insurance
  • Disability insurance
  • Critical illness insurance
  • Long-term care insurance
  • Annuities

Financial Strategy for Special Needs Families

Adam understands that planning for the future of your child with special needs is often overwhelming.

Families with children with special needs or disabilities face their own, often complex, challenges. Adam can help you remove the worry about who will care for your children when you’re no longer there to care for them.

Adam takes the time to understand each family’s financial and lifestyle issues before making any recommendations. He’ll take you through the first step of the process—with no commitment on your part—and together you will determine how your goals for your special needs child can become a reality.

  • Instructions for the care of your child or young adult with special needs
  • Provide lifelong financial security
  • Create protective trusts
  • Tax planning
  • Life insurance needs
  • Counsel on relevant tools: Ontario Disability Support Payment (ODSP), Registered Disability Savings Plan (RDSP), Henson Trust, Disability Tax Credit
  • Professional Trust Service coordination

To further discuss these services and how they might fit into your personal financial situation, please contact Adam at 416-901-6500 x22 or Adam.McHenry@manulifesecurities.ca.