Wealth Management

Building Your Wealth

At Bradley Roberts & Associates we help you develop your investment strategy so you can:

• Accumulate wealth
• Maximize buying power
• Minimize taxes

Effective strategies that are working for Canadians:

• To hold investments that generate income with preferential tax rates outside of the RRSP. These investments that produce capital gains or losses are held in taxable accounts, for the tax rates are lower than on earned income and interest income.
• Capital losses are deductible from capital gains and so provide a kind of offsetting tax advantage.
• Dividend producing investments from Canadian public corporations are taxed at preferential rates, so they may be held outside of RRSP's. It is wise to use caution when making investments choices because of the impact it may have on other programs like Old Age Security (OAS). Ask us for advise on the claw back of benefits like OAS that may be avoided with proper planning.
• Stocks and mutual funds (organized as pass-through trusts) can change capital value and generate dividends. These capital gains and dividends do not change when distributed.
• Income-generating assets such as bonds, bond mutual funds and GIC's can be held within the RRSP to take advantage of tax sheltering and deferral properties. This strategy allows you to make the most of the relatively low interest rates being paid on fixed income investments.
• Income splitting though the use of spousal RRSP's is one of the best planning tools available to Canadians, because it may effectively reduces the tax burden during retirement.
• Corporate class of investment funds, provide yields that are treated as capital gains and funds can be transferred back and forth between asset classes without triggering a taxable disposition.
• Consider buying foreign funds that use a currency hedge to reduce the downside risk.
• Consider borrowing to invest. By leveraging your investment you may build investment assets more rapidly by using a larger amounts of capital that can grow on a tax preferred basis. Interest paid on loans may produce a tax deductible expense that helps to offset the loan payments.

It is not always just a matter of what you make, rather what you get to keep that counts!

Tax considerations are important, but a portfolio should not be built on tax strategies alone.

THE INCOME PHASE

Making the most of what you have accumulated is important if you are to avoid outliving your investment assets.

The key is to create income on a tax-efficient basis.

The following tax table demonstrates how income is taxed at a progressive rate.

2008	TAXABLE INCOME ($)	FEDERAL RATE (%)
LOW	0-37,885	15.00
MIDDLE	37,886-75,769	22.00
HIGH	75,770-123,184	26.00
HIGHEST	123185 and over	29.00

SOURCE: PWC

ASK US ABOUT INSURED ANNUITIES

Retirement Planning

The sooner you think about your retirement income the better.  You have many options and many important decisions to make.

We will help you with a Plan that:

1. Defines your retirement goals and objectives
2. Weighs your options
3. Assesses your current financial situation & future income potential
4. Chooses investment strategies that are suitable for you
5. Deals with other considerations such as estate and trust issues

For most people, retirement means working less or not at all and living on  your accumulated wealth.  At Bradley Roberts & Associates we want your retirement to become a time to realize your dreams.

What Is Financial Planning

Benefits of Consolidation:

• Better Planning, no conflicting advise, less confusion
• More control over amounts and sources of income
• More efficient asset allocation / better portfolios
• More opportunity for tax-efficiency / savings
• Less administration- reporting, number of cheques
• More orderly, expedient and less costly wealth transfer- easier for beneficiaries and estate
• More efficiency, better control, simplified