Comprehensive Planning
What we offer
Risk Management
Cash Flow Planning
Tax & Estate Planning
Investment Management

Risk Management
Effective financial planning anticipates not only the highs but prepares for the unexpected lows as well.
- Insurance Options
- Emergency Fund Establishment
- Liability Assessment

Cash Flow Planning
Retirement planning is about setting a course for a comfortable and secure retirement.
- RRSPs and TFSAs
- Retirement Planning
- Pension expertise

Tax & Estate Planning
A common oversight in wealth management is equating the rate of return on investments with true wealth growth, neglecting the critical effect of taxes.
- Tax Reduction Strategies
- Estate Preservation
- Legal Aspects of Estate Planning

Investment Management
Portfolio management is the art of selecting and overseeing a collection of investments that align with your financial goals, time horizon and risk tolerance.
- Diversification strategies
- Asset allocation models
- Performance monitoring and rebalancing
Why choose Grandmaster?
1. Consider All Potential Eventualities
2. Invest with a purpose
3. Net Wealth NOT Gross Rate of Return
4. Pension Expertise
5. The Value of Independence

Consider All Potential Eventualities
Expected return is the result of all potential eventualities times their probability of occurrence. It could be a market crash, unplanned illness, premature death or something specific to your situation. When we build a financial plan, we want to consider each of them and build a defence accordingly.

Invest with a purpose
Each investment product we suggest have their own purpose. Most often, they are tied to your cash flow requirements and reducing risk. The goal is to peace of mind: your wealth is safe so you can focus on generating more and enjoying it.

Net Wealth NOT Gross Rate of Return
Gross rate of returns ommit tax. Tax rates in Canada go from 0% (-18% for canadian dividends) to 54%. With tax planning, you can increase your net rate of return up to 2x with taking almost 0 extra risk. The risk-reward tradeoff of tax planning remains undefeated. Let’s maximise your net wealth while minimizing the risk.

Pension Expertise
We have been giving pension advice and seminars for the past 30 years. We are known as the go-to when it comes to finding the best time to retire, maximizing pension value, pension transfer decisions, pension package decisions, pension decisions related to divorce and employment/retirement benefits related questions. If you know someone who attended a seminar from a public entity pensions plan, they probably heard of us.

The Value of Independence
We are a client-centric firm. We are and will always stay stubborn on one thing: We are independent and we will do only what’s best for the families we help.
Our mission is simple: raise the moral standards and quality of planning done in this industry.
We truly believe that intellectual honesty will set us apart and above as the new standards of personal financial services.
Products and financial vehicles
Mutual funds
Equity
Obligations
Alternative Assets
Segregated Funds
Structured Notes
Green Funds
Long-Term Investment Products
We build multi-generational financial plans and require products that will match our time horizon. The longer funds are invested, the better we should expect performance. We do extremely prudent planning while keeping a performant asset diversification.
Short-Term Liquidity Products
Almost riskless securities to cover both predictable and unpredictable liquidity needs. A must for cash flow management.
High-Yield Savings Accounts
Guaranteed Investment Certificates
Short-Term Obligations Funds
Short-Term Liquidity Products
Almost riskless securities to cover both predictable and unpredictable liquidity needs. A must for cash flow management.
TFSA – Tax-Free Savings Account
RRSP – Registered Retirement Savings Plan
RRIF – Registered Retirement Income Fund
RESP – Registered Education Savings Plans
RDSP – Registered Disability Savings Plan
LRIF/LIRA – Locked-In Retirement Income Fund/Account
Trusts
FHSA (New) – First Home Savings Account
Etc.
Fiscally Registered Vehicle
One of the greatest way to add value with minimal risk taking lies in leveraging the vehicles offered by CRA and Revenu Quebec. It includes : TFSA, RRSP, RRIF, RESP, RDSP, LRIF/LIRA, trusts, FHSA.
Risk Management Products
When building a plan, it is essential to consider the entire range of potential eventualities: we do not want to be over exposed to any potential unfortunate turn of events. In fact, the expected value of a plan is equal to each potential eventuality times their probability of occurrence.
In the right context, insurance products add tremendous value to plans. They can also be wonderful estate planning tools.
Life Insurance
Temporary
Whole Life (Estate Planning)
Universal Life
Disability Insurance
Critical Illness Insurance
Long-term care Insurance
Risk Management Products
When building a plan, it is essential to consider the entire range of potential eventualities: we do not want to be over exposed to any potential unfortunate turn of events. In fact, the expected value of a plan is equal to each potential eventuality times their probability of occurrence.
In the right context, insurance products add tremendous value to plans. They can also be wonderful estate planning tools.