Hunt Group Private Wealth

Your financial wellbeing is our number one priority. Our team provides financial clarity, expertise and guidance for all aspects of wealth management. This is to help you manage risk and protect your assets. We offer a truly personalized approach, with detailed financial tracking and direct access to your advisor. We will protect your wealth, so you can realize your life’s goals.

Business Insurance

Some risks are out of your control. Ensure your business is protected so you can focus on what matters.

Business Succession Planning

Whether you’re retiring next year or several years from now, we’re here to help you build a succession plan.

Estate Planning

From yesterday to today to tomorrow, your wealth tells a personal story. We’ll work with you to establish an estate plan that meets your needs.

Wealth Management

As a high-income earner, your investment management needs are unique.

Individual Pension Plans

As a business owner, we want you to feel confident about your retirement. An Individual Pension Plan
(IPP) is a defined benefit pension plan, which allows you to increase your retirement savings and establish long-term financial security.

Investments

Strategic planning can take the stress out of market fluctuations.

Individual Insurance

We specialize in the four pillars of individual insurance: Life, Critical Illness, Disability, and Long Term Care.

Financial Planning

Our synchronized approach to financial planning provides a broader, deeper view of your financial life and well-being.

Your Mortgage, Your Way

Smart, sensible big-picture thinking.

Charitable Giving Program

Our Charitable Giving Program™ makes it easy for you to give to a charity, make a difference and leave a lasting legacy.

Business Insurance.

We will complete a thorough needs analysis from which we’ll build a plan that minimizes your exposure to business and personal risk, puts protection in place to strengthen your business if you cannot be there, and helps everyone to benefit when it’s time for you to pass the torch.

While a plan should be tailored to a business owner’s specific circumstances and objectives, there are common elements that require consideration, especially around insurance needs.

Key Person Insurance

This is a must for every business owner. It’s an insurance policy, taken out on the most important person in the company, usually an owner. If the key person passes away, the company gets the proceeds from the policy, which it can then use to continue running the business.

Buy-Sell Insurance

In many unfortunate situations, the surviving partner ends up buying the shares of the partner who passes away with their own funds or, worse, with bank debt. However, that partner can’t always afford to purchase those shares. With Buy-Sell Insurance, when a shareholder passes away, money gets distributed to the other partner to purchase their portion.

Business Loan Protection

Many companies have bank debts to pay and those payments need to be made even in the face of an emergency. This kind of insurance provides funds to settle any outstanding loans or mortgages.

As well, if you’re injured, but you’re off work for a long time, consider taking out disability and critical illness insurance, which can help you get through your time off by providing the cash needed to service the debt.

Clearly, succession planning and insurance coverage is absolutely necessary to maintain the value of your business, provide financial security for your family and other stakeholders, and provide for the unexpected.

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Business Succession Planning.

Your goals, your achievements and your life’s accomplishments are tied to your business, and every day you work to avoid risks that could affect its value. But some risks are outside your control.

Effective risk management may be one of the most important parts of your business owner plan. We’ll work with you and your management team to address any liabilities you may have – so if the unexpected were to happen, both your business and your family’s financial well-being would be protected – and to implement solutions that help you sleep better at night.

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Estate Planning.

While 51% of Canadians don’t have a will, another nearly 35% have a will that is out of date. – Source

We all want to be remembered and a thoughtful personal estate plan can help ensure your legacy is exactly what you want it to be.

Whether your focus is on maintaining family harmony, reducing stress for your loved ones, being fair and equitable or maximizing wealth transfer- your efforts now will help ensure a smooth transition of your estate.

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Wealth Management.

Your wealth deserves a personal and comprehensive approach.

Hunt Group Private Wealth provides a suite of services designed to meet the often complex needs of high net worth investors.

With a complete wealth management program we provide effective, tailored investment strategies focused on both long- and short-term needs integrated with specialized services. By using proven tax strategies to effectively minimize or mitigate your taxes.

We will work with you and all of your trusted professional team to provide you with a holistic wealth management solution.

Our rigorous, analytical, and research-based process aims to manage expectations, enhance returns, and improve your overall experience.

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Individual Pension Plans.

How an IPP works

An Individual Pension Plan (IPP) is a defined benefit pension plan, which allows you to increase your retirement savings and establish long-term financial security.

An IPP is similar to an RRSP in that it uses an investment account to accumulate assets over time as retirement benefits. However, unlike the RRSP, an IPP allows for the accumulation of greater assets – up to 65% more than an RRSP, and like a traditional pension plan, sets your monthly income at retirement. An IPP also provides certain additional guarantees beyond an RRSP to further protect your financial future. Assets accumulated within an IPP are locked-in and may be used only for retirement purposes.

Are you a good candidate for an IPP?

An IPP is specifically designed for a business owner of an incorporated company, an incorporated professional or executive, age 40 and over, earning $100,000+. That said, an IPP can be established for someone with lower earnings.

An IPP is NOT well suited for:

  • Sole proprietors and partners of partnerships
  • Business owners who rely on dividends and compensation other than T4
  • Highly cyclical businesses

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Investments.

To help you feel at ease during volatile periods, we focus on the long term, making sure your asset mix is optimized for your risk tolerance, and recommend that you invest regularly. We have several option when it comes to investment solutions.

Managed Assets

A managed asset program is ideal for investors who do not have the time or interest in managing their own investment portfolio on a day-to-day basis, with the added benefit of expert investment professionals to handle their investments. iProfile provides individual clients with the same institutional wealth management and diversification opportunities as large pools of capital, such as pension funds.

Portfolio Funds

Our complete line of portfolio funds are the perfect choice for investors who are just starting out or who have little time to spend managing their portfolios. By making one decision, you receive sound diversification – one of the most important factors in ensuring long-term consistent performance. What’s more, your portfolio fund will rebalance its investments (with new contributions) to ensure that your chosen mix of risk and return is precisely maintained.

Mutual Funds

The breadth and depth of our mutual fund line ensures that clients have the right mix of fixed income, balanced, and Canadian, U.S. and international equity mutual funds to help them achieve their financial goals.

Socially Responsible Investing

Our Summa Fund provides a socially responsible investment designed to fit both your financial goals and personal values.

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Individual Insurance.

We’ll get you the right combination & amount of coverage for your lifestyle, with products from major Canadian insurers at highly competitive prices.  Once your insurance is in place, we monitor your coverage as your life evolves, to make sure your protection complements your lifestyle so that you’re always receiving the absolute best value from us.

Life

If you have anyone else in your life – a spouse, kids or even an aging parent – that relies on you for support, you need life insurance. Even if you have significant assets, you don’t want a loss of life forcing others to deplete those assets just to get by.

Disability

Disability insurance coverage helps protect your ability to earn income, by providing an ongoing monthly income if you ever suffered a disability and couldn’t work.

Critical Illness

If you’re diagnosed with a critical illness or condition that’s covered in your policy, you’ll receive a tax-free lump sum to use in any way you wish.

Health and Dental

Our plans can help you pay for many common medical expenses that aren’t covered – or only partially covered – by government health insurance plans.

We are able to offer products / services from the following large Canadian Companies.

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Financial Planning.

Achieving true financial well-being

We recognize that your financial needs are interconnected. So our process goes deeper and broader than the approach most people have experienced with other financial advisors. It starts with a very open and honest discussion – the more genuine the conversation, the more impact you’ll get from us. We take the time to explore all the life goals, financial aspirations and concerns you have for yourself and for your family, and then follow up with a comprehensive analysis of your overall financial well-being.

Your well-being is determined by how effectively your plan addresses six major financial needs:

  • Managing day-to-day
  • Securing your future
  • Preparing for surprises
  • Planning for major expenses
  • Giving back
  • And if relevant, evolving your business

We take a personalized, holistic approach because every decision made in one of these areas may open opportunities or present challenges in another. Only when your financial needs are truly interconnected and synchronized, can you be sure you’re getting the most out of your money and achieving true financial well- being.

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Your Mortgage, Your Way.

We can help ensure your mortgage fits into your larger financial picture.

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Charitable Giving Program.

The account, established in your name with your donation is a “donor advised” account, which makes grants over a period of years to charities you choose, without the responsibilities and expense of setting up your own private foundation. Plus, you receive an official charitable donation tax receipt which can provide immediate tax benefits.

The Charitable Giving Program is offered together with the Strategic Charitable Giving Foundation, which operates independently. Donations are irrevocable and vest with the Foundation. This information is general in nature and not intended to be professional tax advice. Please read the Program Guide for complete details, including fees and expenses.

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At Hunt Group Private Wealth, our typical new client has $500,000+ in investable assets, and is looking for professional advice and assistance to manage their wealth.

A wealth management investment strategy is custom tailored for each client, with a personal plan focused on growing and preserving their wealth.

This is accomplished by using actively managed funds all based on our clients individual risk tolerances and time lines.

Our commitment to every client is to ensure they have a current Financial Plan which allows them to monitor how their plan is working and where they are tracking to achieve their financial goals.

The financial advice lifecycle

NEED
LIFE EVENT
Entry into workforce Apartment New home Career progression, new business opportunities Bigger home Recreational and retirement properties Children Retirement Legacy Goals, plans, aspirations

NEEDS

Entry into workforce Apartment Goals, plans, aspirations

LIFE EVENTS

Budgeting and investment prioritization.

Debt reduction strategies.

SINGLE ADULTS

NEEDS

Entry into workforce Apartment New home Children Goals, plans, aspirations

LIFE EVENTS

Dual income households.

Investment and insurance planning.

YOUNG COUPLES

NEEDS

Entry into workforce Bigger home Career progression, new business opportunities Children Goals, plans, aspirations

LIFE EVENTS

Family planning.

Life insurance.

Wills.

Mortgage and cash flow analysis.

YOUNG FAMILIES

NEEDS

Career progression, new business opportunities Children Recreational and retirement properties Retirement Goals, plans, aspirations

LIFE EVENTS

Education funding.

Increased emphasis on savings.

Accelerated debt reduction.

ESTABLISHED FAMILIES

NEEDS

Career progression, new business opportunities Children Recreational and retirement properties Retirement Goals, plans, aspirations Legacy

LIFE EVENTS

Business succession planning.

Tax strategies.

Helping children achieve financial independance.

EMPTY NESTERS

NEEDS

Children Legacy Goals, plans, aspirations

LIFE EVENTS

Tax and income planning.

Charitable giving.

Estate planning.

MATURE ADULTS

Household investible assets