Question? Call Now on:1.888.365.8883 info@sacapital.ca

Financial Fundamentals™

This program is designed for individuals and families who are in need of basic financial planning and guidance. It is intended to help the client construct a fundamental blueprint for a solid financial plan. An emphasis is placed on organizing the client’s financial affairs, restructuring debt and maximizing opportunities for creating wealth. The core of the program focuses on:

  • Cash Flow Planning
  • Debt Management
  • Emergency Planning
  • Risk/Insurance Planning
  • Simplified Investment Plan
  • Free Personal Tax Filing

This program is most appropriate for motivated individuals or households who have good and consistent cash flow, and less than $50,000 of investable assets. It is also suitable for clients who just need one- off advice on specific issues. Generally we would always advise a full financial planning review. However, for clients looking for a transactional service, SA Capital will continue to deal with the administration of your file only – there will be no ongoing / proactive service. Should you contact us to request any further advice we will do our best to assist you. However, a fee may be payable for this additional advice. Any applicable fee would be agreed in advance

Financial Fundamentals
Growing your Wealth

Growing Your Wealth™

This program is designed for motivated clients who have some financial knowledge and already have some investments (e.g. RRSP, TFSA, RESP). However, they do not currently have, and therefore require, a structured plan that fits all these pieces together. The goal at this stage is to guide the client through the process of wealth accumulation in a tax-efficient manner. A strong focus is placed on reducing the fees you pay on any of your current investments while providing tactical solutions that provide down-side protection for your investments when the markets become unpredictable. This program also includes a comprehensive plan that will take into account the following:

  • Cash Flow Planning
  • Comprehensive Investment Planning
  • Retirement Planning
  • Estate Planning
  • Education Planning
  • Risk/Insurance Planning
  • Taxation Planning
  • Free Personal Tax Filing

This service is usually taken up by individuals or households with $50,000 – $250,000 in investable assets. This service option is designed as a pro-active fee based financial planning service. Annual financial planning meetings are offered to assess the ongoing suitability of our advice and identify any action that may be required. Other features also included in this proposition are;

  • Full access to your adviser by telephone, email etc. at no additional cost
  • Periodic Lifetime Cash flow Financial Planning Reports to help quantify future goals and objectives.
  • A minimum of one annual, face to face review meeting with your adviser. Additional face to face meetings may be available at your adviser’s discretion
  • Access to Portfolio management by dedicated Asset Management Firms.
  • Access to annual Tax Planning services (personal and corporate) with a certified accountant.

Protecting Your Wealth™

This program is designed to protect the client’s accumulated wealth and/or to properly manage a windfall. Although a reasonable rate of growth is expected, the emphasis is placed on capital preservation in the most tax-efficient manner possible. The use of trusts and other wealth protection strategies are employed to ensure that the client’s wealth is transferred to dependents or beneficiaries in the most profitable way possible. The key planning tools for this program are as follows:

  • Cash Flow Planning
  • Investment Planning
  • Retirement Planning
  • Estate Planning
  • Education Planning
  • Risk/Insurance Planning
  • Tax Planning
  • Succession Planning
  • Charitable Giving
  • Free Personal & Corporate Tax Filing

 

Financial Fundamentals

This service option is also designed as a pro-active fee based financial planning service and is suitable for individuals or households with over $250,000 in investable assets. Annual financial planning meetings are offered to assess the ongoing suitability of our advice and identify any action that may be required. Other features also included in this proposition are;

  • Full access to your adviser by telephone, email etc. at no additional cost
  • Periodic Lifetime Cash flow Financial Planning Reports to help quantify future goals and objectives.
  • A minimum of one annual, face to face review meeting with your adviser. Additional face to face meetings may be available at your adviser’s discretion
  • Access to Portfolio management by dedicated Asset Management Firms.
  • Access to annual Tax Planning services (personal and corporate) with a certified accountant.
Growing your Wealth

Introducing SA Capital’s Physician Planning Programs™

Our Physician Planning Programs are designed specifically for aspiring and practicing Physicians. We work with you to secure funding, develop a solid financial plan and provided going coaching to ensure your ultimate success.

We offer expert advice and total wealth management solutions designed specifically with you in mind. Given the intricacies of your profession, we offer discretionary investment management solutions to ensure that your investments are managed by qualified experts without the hassle.

Upon graduation from medical school, the average Canadian graduate will owe $71,721 of student debt. This amount has increased by 7.3 percent the last 5 years.

Physician Planning Program™ 1

This program is designed for individuals looking to further their education and career through medical school.  SA Capital provides customized financial planning to meet the needs of medical students and residents. Our team will work with you to secure the funding required for the entire duration of your study to ensure there are no hiccups along the way. This funding also comes with financial advice to prevent over borrowing and ensure that you build a solid financial foundation from the very start.

Benefits of this program include:

  • Assistance with securing funding for medical school and residency (borrow up to $250,000 by the end of residency)
  • A very competitive line of credit rate compared to what you would get on the open market
  • On-going cash flow planning and incremental access to funds to prevent over spending
  • A loan repayment plan upon graduation
  • A loan protection plan to ensure the loan does not become a burden for you or your family in the future
  • Free banking
Physician Planning Program ™ 2

This program is designed for individuals who are transitioning from residency into full time practice. SA Capital will provide customized financial planning to ensure a smooth transition into your independent practice.

This program consists of:

  • A comprehensive financial plan to help you clarify your priorities and create a plan to meet your specific goals.
  • A detailed review of your current debt situation and developing a debt elimination strategy.
  • A discussion and overview on health and parental benefits as a physician.
  • Exploration of tax planning strategies as it relates to your practise (be it as an employee, a sole proprietor or corporation) to minimize taxes and maximize your earnings*.
  • Reviewing your current investment portfolio and developing an asset management strategy
  • Developing risk management strategy (e.g. business overhead insurance, disability insurance, liability protection, etc).
  • Completing a retirement planning assessment, including financial projections of assets required at estimated retirement date and designing solutions to help you meet your retirement goals.
  • Exploring the advantages of Owning vs Renting your home and place of business and determining which option is better for you.
  • Developing an estate plan to ensure that as your net worth increases, your estate is well structured to addresses any uncertainties as it relates to expenses and taxes*.

*We employ a team of seasoned professionals who work holistically together to ensure that every aspect of your financial life, both personal and professional is well taken care of.

Contact Us Today!

Get started today on your path to financial freedom!

Contact Us

1.888.365.8883

sadeyemi@sacapital.ca 

Head Office
120 - 2005 Sheppard Ave. East, Toronto, Ontario M2J 5B4

Branch
19 Sprucedale Way, Whitby ON L1N 9T8

 

8 + 11 =