Why Choose Us?
Johnathan has started, grown, and successfully operated several businesses over the years. We have learned a thing or two about what it really takes to create and grow wealth in our lifetime.
Having lived through a variety of recessions, economic downturns, and times of exciting economic success — we know what it feels like to worry about not being able to leave a legacy for our kids and grandchildren, and we know what it feels like to never have to worry about that again.
If you're looking for financial advisors who…
Genuinely care about your financial success
...because we understand how hard you've worked for everything you have.
Have been in the industry long enough
...to have decades-long experience in investments, financial products, and insurance that helps you build and protect wealth.
Are capable of building personalized plans
...that are just as unique as your financial situation, business, and dreams for the future.
You don't need to look any further. Let us help you with:
Financial Planning
Holistic plans that connect every part of your financial life — investments, insurance, taxes and legacy.
Investments
Institutional-grade portfolios through the Optimize Private Client Program — a family office experience for every client.
Insurance
Independent advice across the full Canadian market — life, critical illness, disability, and estate planning coverage.
Business
Buy/sell agreements, key person insurance, corporately owned critical illness, group benefits and succession planning.
Included in the program
Will drafting & updates — at no additional charge.
Most Canadians either don't have a will, or have one that hasn't been touched since their oldest child was born. As part of the Optimize Private Client Program, we draft and execute your personal will when you join — and we update it as your life changes (new child, new property, new business, marriage, divorce, a death in the family) at no additional cost.
The goal is straightforward: minimize probate fees and taxes for your beneficiaries, make sure your estate is distributed exactly the way you intend, and make sure your will is never the 12-year-old document nobody remembered to revisit. Clients also leave with Powers of Attorney for property and personal care, and a clear beneficiary strategy across registered accounts and insurance.
Investments & Planning
A family office experience for every client
Through the Optimize Private Client Program, we deliver the kind of integrated investment management, comprehensive financial planning, tax preparation, will drafting and insurance work that has historically been reserved for ultra-high-net-worth households — and we extend it to every client, regardless of account size.
Explore Investments & Planning- Comprehensive financial planning with a clear six-step process — built around your goals, time horizon and risk tolerance
- Optimize Private Client Program: pension-style asset classes, model portfolios and private investment strategies
- Tax-efficient registered & non-registered accounts (RRSP, TFSA, RESP, RDSP, RRIF, LIF, LIRA, corporate, holding company)
- Personal tax preparation — for employees, executives, commissioned sales, rental property owners and incorporated owners
- Coordinated estate planning, beneficiary strategy and Powers of Attorney
Insurance
Independent advice across every major Canadian insurer
Because we are independent — not captive to any single insurance company — we compare contracts across the full Canadian market and recommend the carrier, contract type and ownership structure that genuinely fits your health, your goals and your budget.
Explore Insurance Products- Term life — 10, 20, 30-year coverage, shopped across every major Canadian insurer
- Whole life & universal life — permanent coverage and tax-sheltered cash value for long-term legacy planning
- Critical illness insurance with Return of Premium options (tax-free lump sum on covered diagnosis)
- Disability insurance — true own-occupation, non-cancellable contracts for professionals and trades
- Mortgage insurance replacement done properly — level coverage your family owns, not the bank
- Travel, health, dental and super visa coverage to fill gaps the government plan leaves behind
Business
Built for incorporated business owners
Buy/sell agreement funding, key person insurance, corporately owned critical illness, business overhead expense, group benefits, group pensions, and a real succession plan that turns the business into the retirement asset you've always assumed it would be. We coordinate directly with your CPA and corporate lawyer so the insurance, the shareholder agreement, the corporate structure and the wills all line up.
Explore Business Services- Buy/sell agreement funding — corporately owned life insurance and Capital Dividend Account strategies
- Key person insurance — protect the business from losing the people it can't afford to lose
- Corporately owned critical illness — pay premiums with cheaper corporate dollars, receive a tax-free benefit personally
- Corporate-owned whole life as a tax-efficient way to grow surplus capital trapped inside the company
- Business overhead expense insurance — keep the doors open while the owner recovers
- Group benefits and group RRSP / pension plans designed for attraction, retention and renewal-rate control
- Business succession & exit planning — Lifetime Capital Gains Exemption, estate freeze, family trusts