Navigating Your Financial Future

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We help you create a financial plan – an IG Living Plan™ – that adapts and changes as your life does.

At Assad Wealth Management, we believe that real financial advice is about much more than just picking investments. It is about the confidence of knowing that you and the people you love will continue to thrive, no matter what life brings your way.

Many people view financial planning as a series of isolated events: buying insurance, saving for retirement, or managing a stock portfolio. However, true financial well-being requires looking at the "big picture."

We use a comprehensive approach called the IG Living Plan™. This allows us to seamlessly integrate your values and goals into a synchronized plan that evolves as your life changes.

Here is a look at the six key dimensions we analyze to build your financial roadmap.

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    Optimizing Your Retirement

    Retirement isn't just a date on a calendar; it is a vision of your future. Will you travel? Will you buy a vacation home? Will you start a second career?

    What we do: We create detailed financial projections to model different scenarios. We determine the optimal withdrawal strategies from your pensions and investments to minimize tax impact, ensuring your money lasts as long as you do.

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    Managing Cash Flow Efficiently

    Wealth creation starts with understanding where your money is coming from and where it is going. We don't just look at your savings; we look at your life.

    What we do: We analyze your income, expenses, assets, and liabilities to determine your true net worth. We help structure your debt, optimize your banking strategies, and ensure your cash flow aligns with your lifestyle goals.

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    Investment Management

    Your investments should work as hard as you do, but they must also align with your risk tolerance, timeline, values, and beliefs.

    What we do: We move beyond simple asset allocation. We coordinate your personal and corporate investing across registered and non-registered accounts to maximize tax efficiency. We formulate objectives based on your preferences, not just market trends.

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    Preparing for the Unexpected

    A robust financial plan must include defense. Protecting your standard of living and your assets is just as important as growing them.

    What we do: We assess your exposure to risks—such as disability, critical illness, or premature death—and evaluate your current insurance coverage. We prioritize risk management strategies to protect both your family and your business interests.

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    Planning for Major Expenditures

    Whether it is buying a cabin, funding a grandchild’s education, or purchasing a business, major expenses require major planning.

    What we do: We identify the most efficient cash flows and assets to fund these goals. We evaluate the tax implications of acquiring or disposing of assets so you can make your major purchases with confidence.

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    Sharing Your Wealth

    For many of our clients, leaving a legacy is a top priority.

    What we do: We facilitate family conversations to preserve harmony and ensure your wishes are met. From reviewing wills and trusts to planning philanthropic giving, we help you structure your estate to minimize taxes and maximize the value passed on to your beneficiaries.

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Specialized Support for Business Owners

If you own a business, your personal and professional finances are deeply intertwined. We offer specialized strategies to:

  • Maximize the small business deduction.

  • Optimize your compensation (salary vs. dividends).

  • Plan for business succession (whether within the family or a third-party sale).

  • Protect the business against the loss of key people.

How We Work Together

Our relationship is a partnership. We follow a proven five-step process:

  1. Discover & Clarify: We listen to your dreams and concerns.

  2. Analyze & Explore: We look for ways to minimize tax and mitigate risk.

  3. Develop & Present: We build your holistic IG Living Plan.

  4. Finalize & Implement: We put the custom strategies into motion.

  5. Proactively Service: As your life changes, we adjust the plan.

Let’s Start the Conversation

Your financial life is complex, but your financial plan doesn't have to be confusing. Let us help you achieve the clarity you deserve. Contact Assad Wealth Management today to discuss your IG Living Plan™.

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