• Financial Planning

  • At Special Needs Financial we are focused on comprehensive financial planning for Special Needs Individuals and their families.  Our expertise in tax and estate planning also allow us to provide a level of service to our clients and families with and without special needs that most financial advisors are not able to provide.  We can show you how to maximize access to government and private monies that may be available, minimize any impact on social assistance and do so in the most tax efficient way.  When it comes to company pension plans, in many cases we can help determine if you are better off receiving the lump sum payment offered by your company rather than receiving the defined benefit (Spoiler alert - Most of the time you ARE better off with the lump sum payment option).

    We use the full arsenal of tools at our disposal.  These include:

    • Registered Disability Savings Plans (RDSP's)
    • RRSP's, RRIF's, and LIF's
    • TFSA's
    • Deferred Profit Sharing Plans (DPSP's)
    • Individual or Personal Pension Plans
    • Henson Trusts
    • Family Trusts

    Contact us for an in depth review of your financial plan and allow us to determine if you are optimizing what is available to you.

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