OUR APPROACH

OUR APPROACH

Your wealth is the cumulative result of your hard work, discipline, and astute management. Yet the opportunities it affords may also come with unique responsibilities, challenges and questions.

We understand that the decisions concerning your wealth are among the toughest you may ever have to make.

For peace of mind, you want to feel secure knowing that all your financial and wealth management goals can be addressed through a solution that is unique to your needs. We communicate simply, and manage every detail.

  • Asset Class
  • Global Exposure
  • Multi-Manager

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Communication
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Real Wealth Management

We are complex, detailed, and precise.

We avoid confusion, uncertainty, and frustration.

Investment Selection

Investment selection is the first step to your answer of “Why Assante?” Assante’s privately managed accounts provide the benchmark for comparison when it comes to exclusive solutions. Our sister company, CI Multi-Asset Management, uses innovative and robust strategies to accesses high-quality resources in the industry that ensure that all aspects of your total return are actively managed.

We are ready to compare our solutions to any products out there. Put us to the test and discover the advantage!

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Asset Allocation

Your Asset Allocation strategy is the foundation of your personalized portfolio. We employ a deep discovery to help us answer the question of “how do you feel about your money?”

To get you there, we ask a series of questions designed to get to the core of your emotional connection to your wealth. This will land us on an Asset Mix — the base of your portfolio. From there we will continue to customize the global exposure and management style of your geographic allocation. The end result is your personalized investment solution.

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Discover. Plan. Customize.

INTEGRATED WEALTH MANAGEMENT

Manage. Review.

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A division of CI Private Counsel L.P.

Tax Planning

We believe in your after tax rate of return. The amount that remains in your pocket at the end of the year is critical. If taxes are not considered before growth is achieved, your rate of return is drastically reduced. Also, the investment designed to preserve and protect wealth, is unfortunately one of the biggest tax creators. Our solutions help navigate these area’s to be as tax efficient as possible.

This is the main differentiator between our competitors and us. If we can tailor a customized tax plan to help keep more in your pocket, we believe the value in that speaks for itself.

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Estate Planning

Your estate is the final way to customize your wealth. Whether you’ve got a massive heart for philanthropy, or your building a comprehensive strategy to pass your wealth on to your next generation, we can help.

By using what we already know about you through the Financial Planning process, we expand our knowledge of you through further discovery of the legacy you would like to leave. This allows us to pre-arrange your estate before it’s reviewed and executed by your lawyer. This is the most efficient way to ensure a well-tailored estate plan that perfectly complements your complete financial life.

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Our goal is to simplify and enhance the lives of our clients by providing integrated wealth management solutions that are unique to their goals and objectives.

Our expansive reach allows you to have access to expertise in all areas related to your financial needs.

* With access to a wealth of tools and resources, Assante advisors and their clients are supported by the exceptional investment management team and wealth planning group available through our sister companies CI Investments Inc. and Assante Private Client, a division of CI Private Counsel LP.

HOW WE DO IT – ACCESS TO WEALTH PLANNING

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The Financial Plan addresses whether your financial resources will be sufficient to achieve your lifestyle goals, analyzes how life risks (such as death, disability, or critical illness) impact your objectives, and assesses the effect that taxes on death will have on your estate.

In addition to the questions addressed in the Financial Snapshot, the projections and analyses in this plan provide direction and peace of mind by answering the financial questions that concern you the most:

  • What if things change?
  • Is my family protected if I die or become disabled?
  • Will my estate be eroded by income taxes?
  • Will my estate have enough liquidity to pay our final income taxes?
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The Estate Plan provides you with a customized roadmap for how to structure the distribution of your assets on death in a way that achieves your wishes and maximizes tax efficiency. The plan gives detailed and customized recommendations on these critical estate planning issues:

  • To what extent should I use trusts versus leaving my estate directly to my beneficiaries?
  • How should I structure beneficiary designations?
  • Are there additional estate planning strategies that I should consider?
  • Is probate planning worthwhile for me?
  • How should I plan for incapacity?
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In addition to addressing the key issues that are reviewed in the Financial Plan and the Estate Plan, part of the Wealth Plan provides you with additional reports on personal and business tax planning. The result is a step closer to your complete financial advice that presents detailed and highly customized recommendations on important planning concerns, such as:

  • As a business owner, do I have the most efficient corporate structure, business succession, and tax planning strategies in place?
  • As a business owner, does it make more sense to pay myself a salary or dividends, what are the long-term benefits of each?
  • Are there any U.S. tax issues that I should be aware of?
  • Am I set up to use my capital gains exemption? Can I make changes to my structure to use more of my family members capital gains exemptions?
  • Do my existing documents and arrangements accomplish what I want?
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In addition to addressing the key issues that are reviewed in the Financial Plan and the Estate Plan, part of the Wealth Plan provides you with additional reports on risk management strategies. The result is a wealth plan that presents detailed and highly customized recommendations on important planning concerns, such as:

  • Am I making the most of my insurance strategies?
  • I am leery of the costs but still want the protection for my family, what are my options?
  • I don’t need insurance, but what are the potential benefits of using it in my plan anyways?