Corporate financial planning is essential in the growth & maintenance of your company.

We work along side you to make the right decisions at the right time.
This involves growth tracking, tax planning, insurance review, debt,
and investment management through Gold Investment Management Ltd.
 

GET STARTED


The following represents some of the information we need to gather so that we can create your financial plan:

• Group Retirement Plans

A group Registered Retirement Savings Plan (RRSP) is an employer-sponsored retirement savings plan, similar to an individual RRSP, but administered on a group basis by the employer. Contributions are made by pay-roll deduction , on a pre-tax basis, through a Group RRSP administrator.

• Employee Benefit Plans

Employee benefits are an important part of any compensation package. Benefits help an employee feel taken care of in multiple aspects of their lives by helping them manage the cost of healthcare, plan for their financial future, and enjoy an overall higher quality of life. When your employees feel secure and taken care of, they perform better and stay at a company longer. This creates a more positive work environment, helping companies better achieve their goals. In short, the importance of employee benefits is that they keep your employees happy and make your company more successful.

• Business Insurance

Add Private Health Services Plan for self-employed Incorporated Businesses allows you to pay your health and dental expenses in a tax-effective way.

Your business success depends on you, and if you die, become disabled or critically ill everything stops.

Critical Illness

If you suffer a critical illness such as cancer, this coverage provides a lump-sum benefit.

Disability Insurance

If you have a serious accident or illness this coverage will provide continued income while you cannot work.

• Succession Planning

Succession planning is a process for identifying and developing new leaders who can replace old leaders when they leave, retire or die. Succession planning increases the availability of experienced and capable employees that are prepared to assume these roles as they become available.

INCOME

• Tax returns (ie: last year's Notice of Assessment)

• Pay statements

• Employer pension statements

• Most recent CPP statement

DEBT

• Budget of personal and living expenses

• Loan statements (or balance owing)

• Mortgage information (balance, renewal date, carrier)

• Credit card balances

INSURANCE

• Life insurance

• Living benefits

• Information on Will and Power of Attorney

• Employee benefit booklets (group and pension)

INVESTMENTS

• Investment statements

How does an RESP work?

Employee benefits are an important part of any compensation package.

Benefits help an employee feel taken care of in multiple aspects of their lives by helping them manage the cost of healthcare, plan for their financial future, and enjoy an overall higher quality of life. When your employees feel secure and taken care of, they perform better and stay at a company longer. This creates a more positive work environment, helping companies better achieve their goals. In short, the importance of employee benefits is that they keep your employees happy and make your company more successful.

Employee Benefits

First, a subscriber, usually a parent or relative, enters into an RESP contract with a promoter. The subscriber can name one or more children as beneficiaries. Children can be added to a family plan later as long as they are siblings. Over the years, the subscriber makes regular contributions into the plan. The promoter applies for government education savings grants on behalf of the subscriber to take advantage of government contributions into the RESP. (Why say no to money from the government!?) The promoter also helps the subscriber invest the money. When the child is ready for post-secondary school, he or she can start taking out money from the RESP as Education Assistance Payments (EAPs).

Connect with me for
a free 1-hour consultation

300-5450 152 Street
Surrey, BC V3S 5J9


Toll Free 1.855.575.0514

Office: 1.604.575.0514

Fax: 1.604.576.0065


troy@carmontfinancial.com

    Connect with us


    Select one or more items that you would like more information on.