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W.P.G has a proud tradition
of providing our services and experience to the rural markets of
Manitoba, with established offices located in the towns of Brandon
and Deloraine. Our presence and involvement in these communities
has helped us to develop a keen understanding of the financial and
personal needs and challenges faced by agricultural families and
businesses.
Among the many planning solutions that we can provide to help you
and your family in the achievement of your life goals include:
Succession and Estate Planning
W.P.G. has the knowledge and experience to help you with the development
of an individually tailored estate plan. By developing and implementing
an estate plan, we can help to ensure the proper transfer of both
your personal and business assets upon death. Some common estate
and succession planning issues faced by families within the agricultural
sector include:
- Ensuring the transfer of your business to your children, and
the continuation of your families farming heritage.
- Providing an inheritance to your non-farming heirs.
- Providing efficient transfer of estate assets avoiding unnecessary
probate and tax costs.
- Establishment of testamentary trust accounts to manage estate
assets.
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Risk and Insurance Planning
Making sure you are protected from any unnecessary risk, and properly
insured to protect your family and your business interests. W.P.G.
can provide you with a complete line of insurance strategies and
products to meet your planning needs. Our insurance products and
services include:
- Disability Insurance- Protecting you from lost income resulting
from a temporary or permanent disability.
- Life Insurance- Insuring your family will be financially taken
care of and be able to continue their current lifestyle.
- Creation and Implementation of Buy-Sell Agreements- Helping
you in the transfer of your business to members of your family,
or other partners.
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Unique Investment and Retirement Planning
Solutions
Retirement and Investment Planning is about setting realistic and
achievable goals that allow you and your spouse the opportunity
to enjoy your golden years without having to worry about how you'll
meet your post retirement income needs. W.P.G. can help you achieve
your retirement dreams, and provide you with a workable retirement
plan taking your individual needs into account. Our retirement and
investment planning services include the following:
- Helping you to quantify your retirement goals and development
of a workable retirement savings plan.
- Implementation of an investment strategy to help you meet
your retirement and investment goals. This strategy may include
products such as RRSP accounts, and segregated funds.
- Providing you with the tools and information to sell or transfer
your farm property at retirement to maximize your return and minimize
taxation.
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Taxation Planning
Taxation plays an integral part in the lives of all Canadians.
W.P.G. helps you develop an efficient tax planning strategy that
will help you to decrease and defer the taxes payable by yourself
and your business.
By working along with your accounting specialists, we can provide
you with a plan for reducing your overall tax bill by use of some
of the following tax minimizing techniques and methods:
- Ensuring tax efficient investment portfolios.
- Use of tax deferral plans (such as RRSP accounts) to minimize
current tax payable.
- Developing income splitting plans to transfer earnings to lower
tax bracket family member.
- Decreasing your overall yearly business taxes payable
- Maximizing tax savings upon the transfer of your business.
Please contact W.P.G. for information on the financial planning
solutions we have available to help you, your family, and your
business in the achievement of your goals.
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