The right wealth management plan starts with the right questions.

At Black Spruce Financial, our client’s interests come first. In order to determine the wealth management products and services that would be of most value, we take the time to get to know you and gain a full understanding of your financial needs and goals. It starts by asking the right questions, collecting information and using qualitative and quantitative software tools to turn that into a wealth management plan that works to protect, grow and manage your assets.

It all starts with our 3 step life planning process – see it here.

We provide expertise in the following:

INSURANCES

• Corporately owned life insurance
• Individual life insurance
• Disability insurance
• Critical illness insurance
• Long term care insurance
• Group benefits insurance

INVESTMENTS

• Annuities (both prescribed and term certain)
• RRSPs
• Pension plans
• LIRAs (Locked in retirement accounts)
• Portfolio management ($100k and higher)
• Wealth management ($250k and higher)
• Alternative investments ($250k and higher)
• Real estate mortgages and syndicated mortgages
• Segregated funds

TRUSTS & PLANNING

• Legal services
• Trusts (family and living)
• IPP (independent pension plans)
• RCA (Retirement Compensation Arrangement)
• Tax plans
• Estate plans
• Wills