{"id":2267,"date":"2024-04-30T19:44:46","date_gmt":"2024-04-30T23:44:46","guid":{"rendered":"https:\/\/grandmasterfinancialplanning.com\/?page_id=2267"},"modified":"2026-02-04T15:39:23","modified_gmt":"2026-02-04T20:39:23","slug":"comprehensive-planning","status":"publish","type":"page","link":"https:\/\/grandmasterfinancialplanning.com\/fr\/comprehensive-planning\/","title":{"rendered":"Planification globale"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;no-overflow-x&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;0deg&#8221; background_color_gradient_stops=&#8221;#000000 20%|rgba(255,255,255,0) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2024\/04\/FinancialP_image.jpg&#8221; parallax=&#8221;on&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; custom_padding=&#8221;400px||30px||false|false&#8221; custom_padding_tablet=&#8221;493px||75px||false|false&#8221; custom_padding_phone=&#8221;200px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; width=&#8221;100%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||0px|0px|true|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; header_font=&#8221;Playfair Display|||on|||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;100px&#8221; width=&#8221;92%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||-50px|0px|false|false&#8221; custom_margin_tablet=&#8221;||-50px|0px|false|false&#8221; custom_margin_phone=&#8221;||-50px|0px|false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; header_text_align_tablet=&#8221;center&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|desktop&#8221; header_font_size_tablet=&#8221;43px&#8221; header_font_size_phone=&#8221;35px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Planification globale<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section&#8221; module_class=&#8221;no-overflow-x&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; border_color_left=&#8221;#0e4e80&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; width=&#8221;95%&#8221; max_width=&#8221;100%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<script><!-- [et_pb_line_break_holder] -->  \/\/ Function to disable horizontal scrolling on mobile devices<!-- [et_pb_line_break_holder] -->  function disableHorizontalScroll() {<!-- [et_pb_line_break_holder] -->    var screenWidth = window.innerWidth || document.documentElement.clientWidth || document.body.clientWidth;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    if (screenWidth <= 768) { \/\/ Adjust the breakpoint as per your needs<!-- [et_pb_line_break_holder] -->      document.body.style.overflowX = 'hidden';<!-- [et_pb_line_break_holder] -->    } else {<!-- [et_pb_line_break_holder] -->      document.body.style.overflowX = 'auto';<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  \/\/ Call the function on page load and window resize<!-- [et_pb_line_break_holder] -->  window.addEventListener('load', disableHorizontalScroll);<!-- [et_pb_line_break_holder] -->  window.addEventListener('resize', disableHorizontalScroll);<!-- [et_pb_line_break_holder] --><\/script><!-- [et_pb_line_break_holder] -->[\/et_pb_code][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;70px&#8221; width=&#8221;65%&#8221; custom_margin=&#8221;0px||0px|50px|false|false&#8221; custom_margin_tablet=&#8221;|||0px|false|false&#8221; custom_margin_phone=&#8221;|||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;50px||0px|0px|false|false&#8221; header_text_align_tablet=&#8221;center&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|desktop&#8221; header_font_size_tablet=&#8221;50px&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; border_color_left=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Ce que nous offrons<\/h1>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#0e4e80&#8243; divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;25%&#8221; width_tablet=&#8221;45%&#8221; width_phone=&#8221;45%&#8221; width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;|||0px|false|false&#8221; custom_padding=&#8221;|||40px|false|false&#8221; custom_padding_tablet=&#8221;|||0px|false|false&#8221; custom_padding_phone=&#8221;||0px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section&#8221; module_class=&#8221;no-overflow-x&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;60px||||false|false&#8221; border_color_left=&#8221;#0e4e80&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; z_index=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<style><!-- [et_pb_line_break_holder] -->  body {<!-- [et_pb_line_break_holder] -->    overflow-x: hidden;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  [id*=\"service-item\"] {<!-- [et_pb_line_break_holder] -->    cursor: pointer;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  [id*=\"service-tab\"] {<!-- [et_pb_line_break_holder] -->    position: absolute !important;<!-- [et_pb_line_break_holder] -->    top: 0;<!-- [et_pb_line_break_holder] -->    bottom: auto;<!-- [et_pb_line_break_holder] -->    left: 50%;<!-- [et_pb_line_break_holder] -->    right: auto;<!-- [et_pb_line_break_holder] -->    height: 0;<!-- [et_pb_line_break_holder] -->    overflow: hidden;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  .active-service-item {<!-- [et_pb_line_break_holder] -->    color: #6b63dd !important;<!-- [et_pb_line_break_holder] -->    background-color: #fff;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  .hide-service-tab {<!-- [et_pb_line_break_holder] -->    visibility: hidden;<!-- [et_pb_line_break_holder] -->    opacity: 0;<!-- [et_pb_line_break_holder] -->    height: 0;<!-- [et_pb_line_break_holder] -->    overflow: hidden;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  .show-service-tab {<!-- [et_pb_line_break_holder] -->    visibility: visible !important;<!-- [et_pb_line_break_holder] -->    opacity: 1 !important;<!-- [et_pb_line_break_holder] -->    z-index: 0;<!-- [et_pb_line_break_holder] -->    position: relative !important;<!-- [et_pb_line_break_holder] -->    left: 0 !important;<!-- [et_pb_line_break_holder] -->    transform: translateX(0%) !important;<!-- [et_pb_line_break_holder] -->    height: auto;<!-- [et_pb_line_break_holder] -->    overflow: visible;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  .service-item-active {<!-- [et_pb_line_break_holder] -->    background-color: #da6827 !important;<!-- [et_pb_line_break_holder] -->    color: #fff !important;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  .service-item-active h3 {<!-- [et_pb_line_break_holder] -->    color: #fff !important;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->  <!-- [et_pb_line_break_holder] -->  jQuery(document).ready(function($) {<!-- [et_pb_line_break_holder] -->  \/\/ Function to open a specific service tab<!-- [et_pb_line_break_holder] -->  function openServiceTab(tabId) {<!-- [et_pb_line_break_holder] -->    $('[id*=\"service-tab\"]').removeClass('show-service-tab').addClass('hide-service-tab');<!-- [et_pb_line_break_holder] -->    $('#' + tabId).addClass('show-service-tab');<!-- [et_pb_line_break_holder] -->    $('[id*=\"service-item\"]').removeClass('service-item-active');<!-- [et_pb_line_break_holder] -->    $('#service-item-' + tabId.split('-').pop()).addClass('service-item-active');<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  \/\/ Check the URL hash on page load<!-- [et_pb_line_break_holder] -->  var hash = window.location.hash.substring(1); \/\/ Remove the '#' character<!-- [et_pb_line_break_holder] -->  if (hash && $('[id=\"' + hash + '\"]').length) {<!-- [et_pb_line_break_holder] -->    openServiceTab(hash);<!-- [et_pb_line_break_holder] -->  } else {<!-- [et_pb_line_break_holder] -->    \/\/ Default tab to open if no valid hash is found<!-- [et_pb_line_break_holder] -->    openServiceTab('service-tab-1');<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  \/\/ Click event handler for service items<!-- [et_pb_line_break_holder] -->  $('[id*=\"service-item\"]').click(function() {<!-- [et_pb_line_break_holder] -->    var selector = $(this).attr('id').replace('item', 'tab');<!-- [et_pb_line_break_holder] -->    openServiceTab(selector);<!-- [et_pb_line_break_holder] -->  });<!-- [et_pb_line_break_holder] -->});<!-- [et_pb_line_break_holder] --><\/script><!-- [et_pb_line_break_holder] -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; admin_label=&#8221;Column&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text module_id=&#8221;service-item-2&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Playfair Display||||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;24px&#8221; z_index=&#8221;0&#8243; text_orientation=&#8221;center&#8221; custom_padding=&#8221;20px||20px||true|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Gestion de risques<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text module_id=&#8221;service-item-3&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Playfair Display||||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;24px&#8221; z_index=&#8221;0&#8243; text_orientation=&#8221;center&#8221; custom_padding=&#8221;20px||20px||true|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Planification des flux de tr\u00e9sorerie<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text module_id=&#8221;service-item-4&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Playfair Display||||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;24px&#8221; z_index=&#8221;0&#8243; text_orientation=&#8221;center&#8221; custom_padding=&#8221;20px||20px||true|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Planification fiscale et successorale<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; admin_label=&#8221;Column&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text module_id=&#8221;service-item-1&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Playfair Display||||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;24px&#8221; z_index=&#8221;0&#8243; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|0px||0px|false|false&#8221; custom_padding=&#8221;20px|0px|20px|0px|true|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Gestion des investissements<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; admin_label=&#8221;Column&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_divider color=&#8221;#0e4e80&#8243; divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;off|desktop&#8221; module_id=&#8221;service-tab-2&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; width=&#8221;90%&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221; custom_padding_tablet=&#8221;|25px|||false|false&#8221; custom_padding_phone=&#8221;0px|0px|0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2024\/04\/tower-1.jpg&#8221; title_text=&#8221;tower&#8221; admin_label=&#8221;Image&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;99%&#8221; width_tablet=&#8221;99%&#8221; width_phone=&#8221;99%&#8221; width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px|-25px||0px|false|false&#8221; custom_margin_tablet=&#8221;0px||-125px|-25px|false|false&#8221; custom_margin_phone=&#8221;-25px|||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||75px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;140px|50px|0px|25px|false|false&#8221; custom_padding_tablet=&#8221;|25px|||false|false&#8221; custom_padding_phone=&#8221;|0px||45px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_color=&#8221;#da6827&#8243; custom_margin=&#8221;-40px|||-25px|false|false&#8221; custom_margin_tablet=&#8221;0px|||-25px|false|false&#8221; custom_margin_phone=&#8221;-140px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;30px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Gestion de risques<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish||||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;|||-25px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>La planification financi\u00e8re efficace anticipe non seulement les hauts, mais pr\u00e9pare \u00e9galement aux impr\u00e9vus.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Options d'assurance<\/li>\n<li>\u00c9tablissement d'un fonds d'urgence<\/li>\n<li>\u00c9valuation des responsabilit\u00e9s<\/li>\n<\/ul>\n<p><em>Insurance products are sold via Harbourfront Estate Planning Services Inc,. (HEPSI). These products are not subject to CIRO regulation or CIPF coverage, please inquire for more information.<\/em><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;off|desktop&#8221; module_id=&#8221;service-tab-3&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; width=&#8221;90%&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|true&#8221; custom_padding_tablet=&#8221;|25px|||false|false&#8221; custom_padding_phone=&#8221;0px|0px|0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2024\/04\/chess.jpg&#8221; title_text=&#8221;chess&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;99%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px|-25px||0px|false|false&#8221; custom_margin_tablet=&#8221;0px||-125px|-25px|false|false&#8221; custom_margin_phone=&#8221;-25px|||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;140px|50px|0px|0px|false|false&#8221; custom_padding_tablet=&#8221;|25px|||false|false&#8221; custom_padding_phone=&#8221;|0px||15px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_color=&#8221;#da6827&#8243; width_last_edited=&#8221;off|tablet&#8221; custom_margin=&#8221;-75px|||-25px|false|false&#8221; custom_margin_tablet=&#8221;0px|||0px|false|false&#8221; custom_margin_phone=&#8221;-50px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;30px||||false|false&#8221; global_colors_info=&#8221;{}&#8221; width__hover_enabled=&#8221;off|desktop&#8221;]<\/p>\n<h1>Planification des flux de tr\u00e9sorerie<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish||||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;|||-25px|false|false&#8221; custom_margin_tablet=&#8221;|||0px|false|false&#8221; custom_margin_phone=&#8221;|||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>La planification de la retraite consiste \u00e0 \u00e9tablir un plan pour une retraite confortable et s\u00e9curis\u00e9e.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>REER et CELI<\/strong><\/li>\n<li><strong><\/strong>Planification de la retraite<\/li>\n<li>Expertise en pensions<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; 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custom_margin=&#8221;0px|-25px||0px|false|false&#8221; custom_margin_tablet=&#8221;0px||-125px|-25px|false|false&#8221; custom_margin_phone=&#8221;-25px|||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;140px|50px|0px|25px|false|false&#8221; custom_padding_tablet=&#8221;|25px|||false|false&#8221; custom_padding_phone=&#8221;|0px||30px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_color=&#8221;#da6827&#8243; custom_margin=&#8221;-115px|||-25px|false|false&#8221; custom_margin_tablet=&#8221;0px|||-25px|false|false&#8221; custom_margin_phone=&#8221;-45px|||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;30px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Planification fiscale et successorale<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish||||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;|||-25px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Confondre le taux de rendement des investissements avec la croissance r\u00e9elle de la richesse, en ignorant les imp\u00f4ts, est une erreur courante en gestion de patrimoine.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Strat\u00e9gies de r\u00e9duction fiscale<\/li>\n<li>Pr\u00e9servation du patrimoine<\/li>\n<li>Aspects juridiques de la planification successorale<\/li>\n<\/ul>\n<p><em>Although we don\u2019t provide these services ourselves, we will work closely with your lawyer or accountant to incorporate them into your wealth plan.<\/em><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; module_id=&#8221;service-tab-1&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; width=&#8221;90%&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2024\/04\/money.jpg&#8221; title_text=&#8221;money&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;99%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|-25px||0px|false|false&#8221; custom_margin_tablet=&#8221;||-125px||false|false&#8221; custom_margin_phone=&#8221;||-125px||false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; custom_padding_tablet=&#8221;||0px||false|false&#8221; custom_padding_phone=&#8221;||75px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;140px|50px|0px|25px|false|false&#8221; custom_padding_tablet=&#8221;|25px|||false|false&#8221; custom_padding_phone=&#8221;|0px||45px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_color=&#8221;#da6827&#8243; custom_margin=&#8221;-10px|||-25px|false|false&#8221; custom_margin_tablet=&#8221;0px|||-25px|false|false&#8221; custom_margin_phone=&#8221;-140px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Gestion des investissements<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish||||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;|||-25px|false|false&#8221; custom_padding_tablet=&#8221;||29px||false|false&#8221; custom_padding_last_edited=&#8221;off|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>La gestion de portefeuille consiste \u00e0 choisir et superviser des investissements align\u00e9s sur vos objectifs financiers, votre horizon temporel et votre tol\u00e9rance au risque.<\/span><\/p>\n<p><span><\/span><\/p>\n<ul>\n<li><span>Strat\u00e9gies de diversification<\/span><\/li>\n<li><span>Mod\u00e8les d'allocation d'actifs<\/span><\/li>\n<li><span>Suivi des performances et r\u00e9\u00e9quilibrage<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Section&#8221; module_id=&#8221;Why-Grandmaster&#8221; 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header_font=&#8221;Playfair Display|700|||||||&#8221; header_text_align=&#8221;right&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;70px&#8221; custom_margin=&#8221;0px|80px|3px|0px|false|false&#8221; custom_margin_tablet=&#8221;0px|0px|3px|0px|false|false&#8221; custom_margin_phone=&#8221;0px|0px|3px|0px|false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;50px||0px||false|false&#8221; header_text_align_tablet=&#8221;center&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;40px&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Pourquoi choisir Grandmaster?<\/h1>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#0e4e80&#8243; divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;50%&#8221; 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Don&#8217;t delete&#8221; _builder_version=&#8221;4.25.0&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<style><!-- [et_pb_line_break_holder] -->.column-1{<!-- [et_pb_line_break_holder] -->  width:40% !Important;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.column-2{<!-- [et_pb_line_break_holder] -->  width:50% !Important;;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@media only screen and ( min-width: 768px ) and ( max-width: 980px ) {<!-- [et_pb_line_break_holder] -->.column-1{<!-- [et_pb_line_break_holder] -->  width:100% !Important;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.column-2{<!-- [et_pb_line_break_holder] -->  width:100% !Important;;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@media only screen and ( max-width: 479px ) {<!-- [et_pb_line_break_holder] -->.column-1{<!-- [et_pb_line_break_holder] -->  width:100% !Important;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.column-2{<!-- [et_pb_line_break_holder] -->  width:100% !Important;;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><\/style>\n<p>[\/et_pb_code][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;Consider All Potential Eventualities&#8221; image=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2024\/04\/Defensive-Planning_02.jpg&#8221; image_icon_width=&#8221;100%&#8221; content_max_width=&#8221;700px&#8221; content_max_width_tablet=&#8221;700px&#8221; content_max_width_phone=&#8221;700px&#8221; content_max_width_last_edited=&#8221;on|phone&#8221; module_class=&#8221;image-1&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;23px&#8221; header_line_height=&#8221;35px&#8221; body_font=&#8221;Mulish||||||||&#8221; body_text_color=&#8221;#0e4e80&#8243; body_font_size=&#8221;18px&#8221; body_line_height=&#8221;23px&#8221; background_color=&#8221;#FFFFFF&#8221; z_index=&#8221;0&#8243; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;35px|25px|35px|25px|true|true&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; border_color_all=&#8221;#0e4e80&#8243; border_width_left=&#8221;3px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Le rendement attendu est le r\u00e9sultat de toutes les \u00e9ventualit\u00e9s possibles multipli\u00e9es par leur probabilit\u00e9 d'occurrence. Il pourrait s'agir d'un krach boursier, d'une maladie impr\u00e9vue, d'un d\u00e9c\u00e8s pr\u00e9matur\u00e9 ou de quelque chose de sp\u00e9cifique \u00e0 votre situation. Lorsque nous \u00e9laborons un plan financier, nous souhaitons prendre en compte chacune de ces \u00e9ventualit\u00e9s et construire une d\u00e9fense en cons\u00e9quence.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;Invest with a purpose&#8221; image=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2024\/04\/Asset_Management_Toronto_02.jpg&#8221; image_icon_width=&#8221;100%&#8221; content_max_width=&#8221;700px&#8221; module_class=&#8221;image-2&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;23px&#8221; header_line_height=&#8221;35px&#8221; body_font=&#8221;Mulish||||||||&#8221; body_text_color=&#8221;#0e4e80&#8243; body_font_size=&#8221;18px&#8221; body_line_height=&#8221;23px&#8221; background_color=&#8221;#FFFFFF&#8221; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;35px|25px|35px|25px|true|true&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; border_color_all=&#8221;#0e4e80&#8243; border_width_left=&#8221;3px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>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 provide peace of mind: your wealth is safe so you can focus on generating more and enjoying it.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;Net Wealth NOT Gross Rate of Return&#8221; image=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2024\/04\/TAXES_Fifty_02.jpg&#8221; image_icon_width=&#8221;100%&#8221; content_max_width=&#8221;700px&#8221; module_class=&#8221;image-3&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;23px&#8221; header_line_height=&#8221;35px&#8221; body_font=&#8221;Mulish||||||||&#8221; body_text_color=&#8221;#0e4e80&#8243; body_font_size=&#8221;18px&#8221; body_line_height=&#8221;23px&#8221; background_color=&#8221;#FFFFFF&#8221; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;35px|25px|35px|25px|true|true&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; border_color_all=&#8221;#0e4e80&#8243; border_width_left=&#8221;3px&#8221; global_colors_info=&#8221;{}&#8221;]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&#8217;s maximise your net wealth while minimizing the risk.[\/et_pb_blurb][et_pb_blurb title=&#8221;Pension Expertise&#8221; image=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2024\/04\/FinancialP_image.jpg&#8221; image_icon_width=&#8221;100%&#8221; content_max_width=&#8221;700px&#8221; module_class=&#8221;image-4&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;23px&#8221; header_line_height=&#8221;35px&#8221; body_font=&#8221;Mulish||||||||&#8221; body_text_color=&#8221;#0e4e80&#8243; body_font_size=&#8221;18px&#8221; body_line_height=&#8221;23px&#8221; background_color=&#8221;#FFFFFF&#8221; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;35px|25px|35px|25px|true|true&#8221; hover_enabled=&#8221;0&#8243; border_radii=&#8221;on|10px|10px|10px|10px&#8221; border_color_all=&#8221;#0e4e80&#8243; border_width_left=&#8221;3px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>We excel in 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.--><\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;The Value of Independence&#8221; image=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2025\/12\/HFW-Temp_Logo.png&#8221; image_icon_width=&#8221;100%&#8221; content_max_width=&#8221;700px&#8221; module_class=&#8221;image-5&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;23px&#8221; header_line_height=&#8221;35px&#8221; body_font=&#8221;Mulish||||||||&#8221; body_text_color=&#8221;#0e4e80&#8243; body_font_size=&#8221;18px&#8221; body_line_height=&#8221;23px&#8221; background_color=&#8221;#FFFFFF&#8221; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;35px|25px|35px|25px|true|true&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; border_color_all=&#8221;#0e4e80&#8243; border_width_left=&#8221;3px&#8221; global_colors_info=&#8221;{}&#8221;]<!-- 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.\nOur mission is simple: raise the moral standards and quality of planning done in this industry.\n\nWe truly believe that intellectual honesty will set us apart and above as the new standards of personal financial services. --><\/p>\n<p>Harbourfront Wealth is an independent wealth advisory and investment management firm headquartered in Vancouver, British Columbia. We are purpose-driven independent advisors helping Canadians achieve financial independence.[\/et_pb_blurb][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section&#8221; module_class=&#8221;no-overflow-x&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; custom_margin=&#8221;-50px||||false|false&#8221; custom_margin_tablet=&#8221;-50px||||false|false&#8221; custom_margin_phone=&#8221;-50px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;||130px|||&#8221; border_radii=&#8221;off||||&#8221; border_color_top=&#8221;#0e4e80&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; z_index=&#8221;0&#8243; width=&#8221;90%&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;0px||8px||false|false&#8221; 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text_orientation=&#8221;right&#8221; custom_padding=&#8221;125px|30px|30px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<strong>Mutual funds<\/strong><br \/>\n<em>Equity<\/em><br \/>\n<em>Obligations<\/em><br \/>\n<em>Alternative Assets<\/em><\/p>\n<p><strong>Fonds distincts<\/strong><\/p>\n<p><strong>Billets structur\u00e9s<\/strong><\/p>\n<p><strong>Fonds verts<\/strong>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;35px&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;16px||||false|false&#8221; header_text_align_tablet=&#8221;center&#8221; 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The longer funds are invested, the better we should expect performance. We do extremely prudent planning while keeping a performant asset diversification.<\/span>--><br \/>\nTrue wealth management involves an integrated, multilayered approach which follows a disciplined and pre-determined process. Managing your net worth involves much more than your investment accounts.[\/et_pb_text][dnxte_feature_list_parent _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/dnxte_feature_list_parent][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; width=&#8221;90%&#8221; custom_margin=&#8221;70px||||false|false&#8221; custom_padding=&#8221;0px||0px|||&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_align=&#8221;right&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;35px&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;right&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;16px||||false|false&#8221; header_text_align_tablet=&#8221;center&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Produits de liquidit\u00e9 \u00e0 court terme.<\/h1>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#0e4e80&#8243; divider_weight=&#8221;2px&#8221; disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; width=&#8221;91%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;right&#8221; custom_margin=&#8221;||0px||false|false&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish|700|||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;35px&#8221; text_orientation=&#8221;right&#8221; width=&#8221;80%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;right&#8221; custom_padding=&#8221;0px||||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Des titres presque sans risque pour couvrir les besoins en liquidit\u00e9 pr\u00e9visibles et impr\u00e9visibles. Essentiels pour la gestion des flux de tr\u00e9sorerie.<\/p>\n<p>[\/et_pb_text][dnxte_feature_list_parent _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/dnxte_feature_list_parent][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;15px&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;270deg&#8221; background_color_gradient_stops=&#8221;rgba(255,255,255,0) 0%|#000000 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2024\/04\/Retirement_Planning-1-1.jpg&#8221; custom_padding=&#8221;200px||30px|25px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Comptes d'\u00e9pargne \u00e0 rendement \u00e9lev\u00e9<\/p>\n<p>Certificats de placement garantis<\/p>\n<p>Fonds d'obligations \u00e0 court terme<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8221;off|off|on&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_align=&#8221;right&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;35px&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;right&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;16px||||false|false&#8221; header_text_align_tablet=&#8221;center&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Produits de liquidit\u00e9 \u00e0 court terme.<\/h1>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#0e4e80&#8243; divider_weight=&#8221;2px&#8221; disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;Divider&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; width=&#8221;91%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;right&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_margin_tablet=&#8221;0px||||false|false&#8221; custom_margin_phone=&#8221;0px||||false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text disabled_on=&#8221;off|off|on&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish|700|||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;35px&#8221; text_orientation=&#8221;right&#8221; width=&#8221;80%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;right&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||45px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px||||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Des titres presque sans risque pour couvrir les besoins en liquidit\u00e9 pr\u00e9visibles et impr\u00e9visibles. Essentiels pour la gestion des flux de tr\u00e9sorerie.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; width=&#8221;90%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;15px&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;90deg&#8221; background_color_gradient_stops=&#8221;rgba(255,255,255,0) 0%|#000000 86%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2024\/04\/Intellectual_rigor.jpg&#8221; text_orientation=&#8221;right&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;100px|25px|30px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p class=\" translation-block\"><strong>CELI<\/strong> - Compte d'\u00e9pargne libre d'imp\u00f4t<\/p>\n<p class=\" translation-block\"><strong>REER<\/strong> - R\u00e9gime enregistr\u00e9 d'\u00e9pargne-retraite<\/p>\n<p class=\" translation-block\"><strong>FERR<\/strong> - Fonds enregistr\u00e9 de revenu de retraite<\/p>\n<p class=\" translation-block\"><strong>REEE<\/strong> - R\u00e9gime enregistr\u00e9 d'\u00e9pargne-\u00e9tudes<\/p>\n<p class=\" translation-block\"><strong>REEE\u00c9P<\/strong> - R\u00e9gime enregistr\u00e9 d'\u00e9pargne-invalidit\u00e9<\/p>\n<p class=\" translation-block\"><strong>FRV\/FERRA<\/strong> - Fonds de revenu viager \/ Compte de revenu de retraite bloqu\u00e9<\/p>\n<p class=\" translation-block\"><strong><em>Fiducies<br><\/em><\/strong><br><strong>CECP<\/strong> (Nouveau) - Compte d'\u00e9pargne pour le premier achat d'une maison<br><em>Etc<\/em>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;35px&#8221; custom_margin=&#8221;45px||||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>V\u00e9hicule fiscalement enregistr\u00e9<\/h1>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#0e4e80&#8243; divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; width=&#8221;91%&#8221; custom_margin=&#8221;-35px||||false|false&#8221; custom_margin_tablet=&#8221;-10px||||false|false&#8221; custom_margin_phone=&#8221;-10px||||false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish|700|||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;18px&#8221; width=&#8221;73%&#8221; custom_margin=&#8221;-41px||||false|false&#8221; custom_margin_tablet=&#8221;-25px||||false|false&#8221; custom_margin_phone=&#8221;-25px||45px||false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<!--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 : <em>TFSA, RRSP, RRIF, RESP, RDSP, LRIF\/LIRA, trusts, FHSA.<\/em><span style=\"font-family: Calibri; font-size: 11.0pt;\"><\/span>--><\/p>\n<p>One of the greatest way to add value is to leverage the accounts offered by CRA and Revenu Quebec. It includes: TFSA, RRSP, RRIF, RESP, RDSP, LRIF\/LIRA, FHSA.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; width=&#8221;90%&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_align=&#8221;right&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;35px&#8221; custom_margin=&#8221;45px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Produits de gestion des risques.<\/h1>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#0e4e80&#8243; divider_weight=&#8221;2px&#8221; disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;right&#8221; custom_margin=&#8221;-30px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish|700|||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;18px&#8221; text_orientation=&#8221;right&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;right&#8221; custom_margin=&#8221;-35px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Lors de l'\u00e9laboration d'un plan, il est essentiel de prendre en compte l'ensemble des \u00e9ventualit\u00e9s possibles : nous ne voulons pas \u00eatre trop expos\u00e9s \u00e0 tout retournement de situation malheureux potentiel. En fait, la valeur attendue d'un plan est \u00e9gale \u00e0 chaque \u00e9ventualit\u00e9 potentielle multipli\u00e9e par sa probabilit\u00e9 d'occurrence.<\/p>\n<p>Dans le bon contexte, les produits d'assurance ajoutent une valeur consid\u00e9rable aux plans. Ils peuvent \u00e9galement \u00eatre d'excellents outils de planification successorale.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;15px&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;270deg&#8221; background_color_gradient_stops=&#8221;rgba(255,255,255,0) 0%|#000000 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/grandmasterfinancialplanning.com\/wp-content\/uploads\/2024\/04\/Portfolio_Management-2.jpg&#8221; custom_padding=&#8221;100px||30px|25px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Assurance-vie<\/p>\n<p>Temporaire<\/p>\n<p>Vie enti\u00e8re (Planification successorale)<\/p>\n<p>Assurance vie universelle<\/p>\n<p>Assurance invalidit\u00e9<\/p>\n<p>Assurance maladies graves<\/p>\n<p>Assurance soins de longue dur\u00e9e<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Playfair Display||||||||&#8221; header_text_align=&#8221;right&#8221; header_text_color=&#8221;#0e4e80&#8243; header_font_size=&#8221;35px&#8221; custom_margin=&#8221;45px||||false|false&#8221; header_text_align_tablet=&#8221;center&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|tablet&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Produits de gestion des risques.<\/h1>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#0e4e80&#8243; divider_weight=&#8221;2px&#8221; disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;Divider&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;right&#8221; custom_margin=&#8221;-30px||||false|false&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text disabled_on=&#8221;off|off|on&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Mulish|700|||||||&#8221; text_text_color=&#8221;#0e4e80&#8243; text_font_size=&#8221;18px&#8221; text_orientation=&#8221;right&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;right&#8221; custom_margin=&#8221;-35px||||false|false&#8221; custom_margin_tablet=&#8221;-35px||||false|false&#8221; custom_margin_phone=&#8221;-35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Lors de l'\u00e9laboration d'un plan, il est essentiel de prendre en compte l'ensemble des \u00e9ventualit\u00e9s possibles : nous ne voulons pas \u00eatre trop expos\u00e9s \u00e0 tout retournement de situation malheureux potentiel. En fait, la valeur attendue d'un plan est \u00e9gale \u00e0 chaque \u00e9ventualit\u00e9 potentielle multipli\u00e9e par sa probabilit\u00e9 d'occurrence.<\/p>\n<p>Dans le bon contexte, les produits d'assurance ajoutent une valeur consid\u00e9rable aux plans. Ils peuvent \u00e9galement \u00eatre d'excellents outils de planification successorale.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>","protected":false},"excerpt":{"rendered":"<p>Comprehensive PlanningWhat we offerRisk ManagementCash Flow PlanningTax &amp; Estate PlanningInvestment ManagementRisk ManagementEffective financial planning anticipates not only the highs but prepares for the unexpected lows as well. &nbsp; Insurance Options Emergency Fund Establishment Liability Assessment Insurance products are sold via Harbourfront Estate Planning Services Inc,. (HEPSI). These products are not subject to CIRO regulation or CIPF coverage, please inquire for more information.Cash Flow PlanningRetirement planning is about setting a course for a comfortable and secure retirement. &nbsp; RRSPs and TFSAs Retirement Planning Pension expertise Tax &amp; Estate PlanningA common oversight in wealth management is equating the rate of return on investments with true wealth growth, neglecting the critical effect of taxes. &nbsp; Tax Reduction Strategies Estate Preservation Legal Aspects of Estate Planning Although we don\u2019t provide these services ourselves, we will work closely with your lawyer or accountant to incorporate them into your wealth plan.Investment ManagementPortfolio 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?Expected return is the result of all potential eventualities times their probability of occurrence. 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