Private Wealth Planning Experience
Expertise. Teamwork. Trust.
The IG Private Wealth Planning Experience is a deeply collaborative, streamlined process that will bring together an integrated team of financial professionals best suited to your needs.
As a client, you can expect:
Individualized plans that consider all areas of financial planning and multigenerational goals.
Access to a network of highly specialized financial planning experts.
A disciplined, yet flexible approach that proactively adapts to your needs and today’s ever-changing world.
Clarity and confidence for even the most complex financial planning decisions.
The depth and expertise of our team will adapt to the complexity of your needs and will always be coordinated by your IG Advisor.
We are also committed to working with clients’ existing personal advisors and other professional partners, to evaluate every opportunity to help grow and preserve your wealth. Although we do provide access to internal legal and tax specialists as part of this service, we do not provide legal or accounting advice. We will work collaboratively with your other advisors to ensure our recommendations are consistent with theirs.
Access to specialists
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Wealth Specialists
Our wealth specialists offer an additional dimension through synchronized portfolio and individual securities advisory services. They can:
• Provide comprehensive investment analysis for our clients, in accordance with their individual financial plan and unique needs.
• Provide expert insight and analysis by applying the principles of diversification and portfolio construction aligned to both your investment time frame and risk tolerance.
For more complex portfolios, wealth specialists work in collaboration with a team of portfolio strategists to analyze and customize investments. All portfolio strategists have their Chartered Financial Analyst (CFA®) designation.
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Regional Estate and Insurance Specialists
Our regional estate and insurance specialists will work with your IG Advisor to create an insurance plan that can meet all of your needs, leveraging solutions from the country’s largest insurance companies. Our regional estate and insurance specialists can help you:
Risk management
• Maintain your family’s standard of living in the event of a premature death
• Replace your income if you cannot work due to illness or disability
• Provide funds in the event of a sudden critical illness
Business owners/professionals
• Analyze funding requirements for a shareholders’ agreement or corporate debt
• Design unique benefit solutions for key employees and executives
• Examine the use of tax-sheltered life insurance as an alternate asset class to manage a portion of your passive investment portfolio, while maximizing the use of your corporation’s capital dividend account
Estate planning
• Implement inheritance and legacy planning strategies
• Preserve your wealth for your family while minimizing tax effects
• Provide liquidity to allow for a fair distribution of assets
• Fulfill philanthropic and charitable giving wishes
advanced financial PLANNING SUPPORT
Advanced Financial Planning support to help clients make complicated decisions, more confidently.
If your situation is more complex, the IG Private Wealth Planning Experience offers advanced support provided by an industry-leading multidisciplinary team of head office experts.
Our Advanced Financial Planning team includes tax accountants, estate lawyers (and notaries in Québec), financial planning specialists, pension specialists and\ individuals with various types of advanced expertise.
Working collaboratively with IG Advisors, the Advanced Financial Planning team has helped guide Canadians across a range of situations and goals.
They have expertise in a number of areas, including personal, corporate and trust taxation, estate planning, family property matters, trusts and disability planning, charitable giving and farm taxation. Our experts do not provide legal or accounting advice, and do not replace your external legal and accounting advisors. We can work collaboratively with your external advisors to ensure that our recommendations are consistent with theirs.
Creating your plan
Analyze and discuss internally: Our experts will analyze the information and documentation that you provide. They will then meet as a group to discuss which financial planning strategies would be most appropriate for your situation
Assess which strategies will work best: Working collaboratively, we’ll create a financial plan for you based on our combined skill set.
All your interactions with our specialists will be coordinated through your IG Advisor to ensure a streamlined experience.
In some cases, our wealth specialists may confirm information you have previously provided to ensure accuracy and to complete our required “Know Your Client” obligations.
Present a holistic plan that clarifies your complete financial picture: Once we have determined which strategies may be most appropriate for you, we will schedule a meeting to present the plan (although in some cases we may need to meet with you on several occasions to discuss different components of the plan depending upon how many items we’ve identified for discussion).
Whatever timing and schedule work best for you, our aim is to ensure we have a complete picture before presenting a holistic, final plan to you.
• Timing will be determined in part by how long it takes to gather the required information, and how complex your personal situation may be.
Work collaboratively with your other advisors: Once you are comfortable with the strategies we have recommended, we will work with you to implement any required changes to your plan.
In some cases, our analysis may show that some of your legal documents, or perhaps your corporate structure, should be updated. Although we cannot provide legal or accounting services, we can help you find lawyers and/or accountants with the requisite expertise (if you do not already have advisors whom you work with).
If needed, with your consent, our experts may be available to participate in discussions with your external advisors to assess your situation in order to create a plan that is consistent with the advice you are receiving from your other professional advisors.
Proactively monitor, review and adjust your plan: After your plan has been updated, your IG Advisor will monitor its progress by meeting with you periodically to review your situation.
It will be important to advise your IG Advisor if there have been any changes to your personal situation that we should be aware of.
Lastly, although you would generally only meet with your IG Advisor on a go-forward basis, we can re-engage any of our specialists in the future to review additional documentation upon your request.
Once we receive all the required background information and documentation, we will engage the appropriate types of professionals and core team to work on your plan.
